New Member
tl1989
Posts: 1
Registered: ‎02-20-2010
Question about getting car loan

Hello,

 

I'm not looking to purchase a car any time soon but I have a question I need insight on when the time does come. That time most likely will be two years from now.

 

I'm currently in college and am only working part time now which is 19 hours a week. I just pulled my equifax fico last week and it is a 726. If I were to apply for an auto loan today I would not be approved because I don't have enough income.

 

Here's my question. My husband works full time but has horrible credit. Bunch of CO's. When we do our taxes and we do it jointly is his income therefore mine? If I were to apply for an auto loan, could I apply for the loan myself and show his income but it's also mine too becuase we filed our taxes jointly?

 

We've been married 1 year and 1 month now. This tax season will be our first time filing taxes. We're still learning.