I know there isn't really any "right" or "wrong" answer to this question, rather just an opinion or personal preference. Whn you disclose "income" with a creditor, be it on an application, for a CLI, etc. do you use just your own income or do you include your significant other? I think we all know that most creditors allow you to include your significant other, assuming that income could be verified if need be, but how many actually include it? For those that do, why? For those that don't, why? I'm just interested in hearing the different perspectives on this.
I personally only use my own income. I have considered adding my girlfriend's income in the past, but never have. Her income is only about 1/3 of mine, so it wouldn't significantly change things. But, since it isn't significant, I've also thought about including hers. There can definitely be arguments made for both opinions on this, so I look forward to hearing them 
@Anonymous wrote:I started to include me and my wifes income (assuming it's allowed on whatever I'm applying to) once we got married. Why? Because our money goes into the same bucket. Our direct deposits are into our own personal checking accounts, but we then transfer all the money to the joint checking so we both have access to pretty much all of each others income. Also, we push towards 6 digit income when combined. I feel that has a major influence on some decisions as well as credit limits, abiltity to pay back, etc.
On top of that, we are Authorized Users on a good majority of each others cards (joint for Discover) so thats another reason as well.
Same here. I had the option to do individual or household income and I elected to do household. Even though we have separate checking accounts, we have joint savings and I'm in authorized user on one of her cards. So, I figured it won't hurt to do that.
Own, cant include dogs can I 
