HOW SPOUSE'S CREDUT CAN IMPACT YOU

If you have great credit, but your spouse does not, don't worry. You and your spouse have separate credit files and they don't have to affect each other. In fact, depending on where you live, you're probably not even responsible for bills your husband or wife runs up under their name while you are married. But if you have joint accounts or co-signed a loan, you are both equally responsible.