Personal Loan Advice - Indv or Joint?

[Milo1]

Trying to lower cc debt which has reached 20K.  My wife has a 655 FICO and annual income was 35k last year.  My FICO is 599 and my annual income was 115k.  Can she get a personal loan by herself or would joint application be best even though I have a low score?  We were going to try LendingClub since she received a pre-approval code, but I know that doesn't mean anything.

Looking for suggestions on best course of action or best place to apply for approval.  Looking to get at least 10K

[McNugget]

My husband and I keep all of our finances separate, so I'd recommend that.  It keeps our purchaes from affecting the other person's credit score, plus it's just easier to keep track of what money we have available this way.  

[CreditInspired]

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@Milo1 wrote:

Trying to lower cc debt which has reached 20K.  My wife has a 655 FICO and annual income was 35k last year.  My FICO is 599 and my annual income was 115k.  Can she get a personal loan by herself or would joint application be best even though I have a low score?  We were going to try LendingClub since she received a pre-approval code, but I know that doesn't mean anything.

Looking for suggestions on best course of action or best place to apply for approval.  Looking to get at least 10K

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Hi and welcome

I think a $10K loan is going to be difficult with her score and income, even if you did it jointly. Scores are too low. And if you succeeded, the APR would probably be quite high. 

What is your individual UT and aggregate UT?