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.