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Will my bad credit score affect my husband buying a house?

The answer to this question is going to depend on how you are married. If you are married in community of property you will be buying your home jointly and therefore applying for a joint bond.  The bank will take into account the credit scores of both applicants.  If one spouse has a bad credit score, then the application may be rejected, or the bank will charge higher interest rates.

If you are not married in community of property, your husband can buy the property in his name only and, as he is the sole applicant, your credit score will not affect the application.

So, and, only if you are married out of community of property, you have a decision to make before putting in an offer on a home and applying for a home loan.  Do you buy and apply jointly or have the spouse with the better credit score buy in his her name and apply for the bond.

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