If I get married with someone that has no credit...

[DiC916]

If you buy a house before you get married it won't matter what her score is, at least not until you want to move or refi, buy a car, etc.

[Revelate]

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@DiC916 wrote:
If you buy a house before you get married it won't matter what her score is, at least not until you want to move or refi, buy a car, etc.

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You can always leave the spouse off the mortgage application; however, it means the single individual will have to qualify for the house on income for the almighty DTI calculation.  

[DiC916]

He said she doesn't work, so she has no income to add.

[neverrain]

My buddy just bought a house (this week).  His wife has terrible credit and they shared credit cards.  She doesn't work either.  Since they had balances on shared cards, they removed her from the cards and he applied solo, since he had good credit.

You say "a girl you like".  That kind of indicates that you either just started seeing eachother, or plan to.  If you are at a stage this early in the relationship, I would suggest talking to her now about this and get her set on the right track with her credit.  Let her know that if she is serious about the relationship moving to that stage at some point, it's important for both of you that she does this.  Teach her.

If you don't want to talk to her about this, re-evaluate the relationship, or don't include her in the mortgage.  Up to you.

[notfancy]

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@DiC916 wrote:
He said she doesn't work, so she has no income to add.

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he also said he isn't in a relationship and that all of this is hypothetical. He's borrowing trouble worrying about what "might, could, maybe happen"

[SomeGuyOnTheWeb]

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@JoshNurse wrote:

A girl I like has never worked in her life and has no credit cards.

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RUN AWAY!

No. Seriously. It's not the "no CC" thing which is odd, it's the "never worked in her life". For me, that would scare me off. But that's just me.

[Himee]

This. I'd be more concerned about never having worked in her life. Unless you like the idea of providing everything financial on your own.

[freak4tech]

are you able to suppport her and her current lifestyle? If not run and run fast. 

[IamB2]

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@SomeGuyOnTheWeb wrote:

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@JoshNurse wrote:

A girl I like has never worked in her life and has no credit cards.

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RUN AWAY!

No. Seriously. It's not the "no CC" thing which is odd, it's the "never worked in her life". For me, that would scare me off. But that's just me.

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Maybe she is young? 17-18? That is not uncommon.

[notfancy]

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@notfancy wrote:

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@DiC916 wrote:
He said she doesn't work, so she has no income to add.

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he also said he isn't in a relationship and that all of this is hypothetical. He's borrowing trouble worrying about what "might, could, maybe happen"

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