Will my spouses credit history affect whether I will be approved for a loan?

If you are joint or authorized user on your spouse's credit, that status can appear in the credit reporting from the credit bureau. If the status is not included in your credit reporting, we would only consider your spouse’s credit history if they are requesting to be a joint borrower, or to be guarantor on your loan.

Your spouse’s credit history may affect your loan decision if you are joint or an authorized user with your spouse via a loan or credit card. In those circumstances, shared status will appear on your credit report and that joint debt will be considered when applying for a loan. If you do not share a loan or credit card with your spouse, you will be considered for the loan based only on  your individual credit history.