As couples, if one spouse has a bad credit score, it will not directly affect the other partner's credit score.
However, if they apply for joint credit, such as a mortgage or a car loan, both credit scores will be taken into account.
If one spouse has a poor credit score, it could impact the couple's ability to get approval for credit or loans in the future.
If they have joint accounts or one spouse is a registered user on the other's account, both could undergo a hard inquiry.
It is important to note that marrying someone with bad credit won't hurt the other partner's individual credit score.
However, any debts that the couple take on jointly will be reported on both of their credit reports.
If one spouse has debt or a history of missed payments, it could impact their ability to get approved for credit or loans.
Both couples need to take a hard look at their money management and chart up a plan to improve their finances.
It is important for couples to communicate about their finances and work together to improve their credit scores.