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My spouse has really bad credit and mine used to be really good. My name is not on any of her debt but yet my score keeps going down. I have maybe one or two delinquencies on my credit but not enough to take it down to a 610. Can my wife’s credit affect mine?
Can my wife’s credit affect mine?
Welcome to the forums!!!
As your name is not on any of her debt, then your wife’s credit doesn’t affect your credit score. Try to pay-off your outstanding debts asap. Keep adding positive information on your credit report. Check out thoroughly whether or not there have any hard inquiries on your credit report.