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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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If my spouse has a bad credit score, does it affect my credit score?

Answer:

Credit scores are calculated on a specific individual’s credit history. If your spouse has a bad credit score, it will not affect your credit score.

However, when you apply for loans together, like mortgages, lenders will look at both your scores. If one of you has a poor credit score, it counts against you both. You may not qualify for the best interest rates or the loan could be denied.

For the time being, until your spouse’s credit score improves, you may be able to get good terms on loans as long as you apply individually.

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