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Can I use spouse's Credit Score to qualify?

New Member

Can I use spouse's Credit Score to qualify?

My spouse has way better credit than I. But I make twice as much. Can I use their score to qualify for auto loan but co sign to use my income?
2 REPLIES
Established Contributor

Re: Can I use spouse's Credit Score to qualify?

Yes, this is standard, though you may want to confirm with the lender.

They may still deny you if your score is low over an open collections account, fraud report, or credit report dispute as well.
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Moderator

Re: Can I use spouse's Credit Score to qualify?


Raferj wrote:
My spouse has way better credit than I. But I make twice as much. Can I use their score to qualify for auto loan but co sign to use my income?

So, the way this works is that both of you are on the loan and some lenders will use the highest score to qualify the loan (for a vehicle loan only, it is the reverse for a mortgage). 

 

Take some time to view the rebuilding section on this website. It may be easier to increase your score than you think.  

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