Credit Q&A

Answers to our most common credit and financial questions

Can I use my spouse's good credit to get a loan?

You can, but only under certain circumstances.

Here are a few things to consider if your credit score needs your spouse's help:

  • If you're only using your spouse's credit score when buying a home, your spouse will need to be able to support the full mortgage on their income alone.
  • If you can't qualify for a new credit card, having your spouse add you as an authorized user on one of their cards may help you out.
  • Adding your spouse as a co-signer when applying for a car loan can potentially improve your interest rate and likelihood of qualifying.

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