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Are there any loans available in community property states other than conventional that one spouse can obtain without being hit by the others credit? My husband's credit is awful. He had a foreclosure about 3 years ago and has quite a few collections on his credit report. We do and have always maintained separate financial. We do not have joint checking accounts. we file our taxes separately.
Any advice?
You aren't hit by the others credit, only their payments in your debt ratio.