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I live in Oregon, which I just learned is a "common law" state rather than a community property state. Does this mean I can apply for a mortgage is my name only and leave her credit reports out of it? It would greatly simplify things if I only have one credit file to clean up...
All income is mine BTW, she does not work as she is disabled.
spouse credit can be left out if it
Well, thats certainly encouraging! Thank you.