Yes. You can always apply for things separately from a spouse. being married does not automatically place their credit on top of yours. Credit effects so much in our lives, why let it have a hand in love as well?

I don't think it is worthwhile to have a good serious relationship with a person who does not know how to pay the money he borrowed, specially if you yourself knows the moral of paying back what you borrowed. paying back money you borrowed is a sign of being responsible. I had a friend who would not want to enter in a serious relationship until he has paid his deft, That is i thinks fair enough to first settle responsibility that can affect a relationship before entering into it.

Credit issues are not character issues. There are many reasons why people have bad credit. my husband had bad credit due to an ex spouse who never paid a house note until it was forclosed on. he was working offshore 39 days at a time and was being told that the bills were getting paid.

some people were never taught how to manage money effectively. I handle the finances in our home and he is perfectly happy with that.

The decision as to whether or not I would date someone with bad credit would only be affected if that person intentionally borrowed money with out paying it back.

We, as a society, put too much emphasis on that stupid little score.

First of all, love is WAY more important than money or possessions. Secondly, there are ways around a bad credit score; lots of ways, it just takes a little more patience to persevere.

Frankly, credit scores are the scourge of our society. How can anyone or any entity keep a record on you that could be detrimental to your character and deny you access to that record without payment? I can't believe America hasn't risen up and nixed that practice. I've had excellent credit. I've had mediocre credit. I've had really bad credit. It's not a measurement of what kind of person you are. It's a measurement of your luck at any given time in your life. Ironically, I had my best credit score when I was poor. I had my worst credit score when I was making a really good salary. And, also ironically, I've been able to purchase more things when I had bad or mediocre credit than when it was excellent.

Credit scores are just a bunch of malarky; businesses deluding themselves into thinking they've found a way to control things, to weed out the "bad people," when in reality all they are doing is negating themselves profits based on a screwed up scoring system that doesn't work. If the recent foreclosures haven't awakened you, nothing will.

I agree that it depends on how the person got into the bad credit score area, through extenuating circumstances or through bad spending habits. If it's the first, than I would follow with what many said above. However, if its the second, then I wouldn't.

Money is one of the top issues that people fight about in a relationship. If someone has little money sense and you have alot, that doesn't necessarily cancel each other out. And opposites shouldn't always be together. Someone who believes that there is money in the checking account just because there are checks in the checkbook is probably just one of the many frustrations you will have. Do you want to be in a relationship that is starting off with a high stressor? I'm sure there are many people around who have made this type of relationship work. Maybe if the other person acknowledges his/her problem and is respectful about spending but I just don't see it happening. People with money spending problems don't just stop spending carelessly.

How much money we make is generally a huge part of our self-identity. Men and women out of work in this economy not only take the hit financially but also in the self-worth department. Why else would SAHMs be held in such little regard despite the fact that monetary value of what they do is beyond CEO pay. You may eventually feel very resentful of someone who does not place value on what you value.

You can't choose who you love.

The only debt I have is from my student loans, and I'm not out of school yet so I haven't begun to pay them off. But as far as credit cards and other debt goes, I've paid everything off in full and on time. And I anticipate it will be the same with my loans.

I've dated some people who had way more debt than me, one who had already filed for bankrupcy (because he made a movie on credit), and my first thought is "there is no way I will ever marry you." I stayed in the relationships but eventually they fizzled out for other reasons.

I don't think I'd marry someone who had been financially irresponsible for years. A lot of marriages that end have to do with different views on money and spending.

But if you realize that your money habits are polar opposites, look for a way to keep your money separate, and hold you spouse responsible for their habits.