How can my husband's credit good or bad affect me?
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M$3 Answers
You and your husband will continue to have your own credit file. If you happen to apply for loans or credit as an individual the only thing they will look is your credit record. But if you apply jointly for a loan as co-borrowers, that will be the time they will look at both your reports.
The only way your credit will be affected by your spouse's poor credit is when you added yourself as an authorized used on any of your spouse's accounts with not-so-perfect-payment histories. If you have added to any of your partner's account that have delinquent payment histories, these could appear on your credit report and affect your credit score.
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M$
However, if you just want to make sure, for your own peace of mind, one of the things you could do is to ask this question of your own bank manager. There should be no charge for this advice.
Another way would be to try a free advisory service. In the U.K. there is the Citizens Advice Bureau. They have available experts in all professions to give free advice. I'm sure there must be something similar in the U.S.
They might also be able to suggest ways of officially disassociating yourself from him if you are unable to divorce him at present.
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M$
Eventually you CAN prove to the IRS you are separate and not responsible for his bills, but it can cost you. Just get divorced, it's cleaner
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M$
