We would like to buy a car in the next month or two. My wife and I have vastly different FICO scores. I'm 585-615 depending on which agency you run. I make our family income. The wife stays home but her score is 690-715. How does this work? I can't claim her credit but she can't claim my income. I've never applied for a joint loan. What is the interest rate based on?
Mid 500s across the board as of 10/7/2016
EQ: 543
TU: 540
EX: 520
