Whose credit score is more important

[genchan]

I will be applying for a home loan soon. When I apply for a loan, whose credit score will the lender look at? Will they look at mine or my wife's or both? What will happen if my score is good, but hers isn't so hot?

[Lori63]

Re: Whose credit score is more important

We just bought a car and they looked at both.
Will you be counting on your wife's income for the loan? If so they will probably look at her score (just my guess).

[Tammy]

Re: Whose credit score is more important

If the mortgage will be in both of your names - they will look at both.

[PrincessPerky]

Re: Whose credit score is more important

When we went to buy this house, I specifically told them not to put my name on anything. I have mostly no credit, no ccs and such. So I didn't want me to affect his good credit.

[genchan]

Re: Whose credit score is more important

So in this instance, would I be better off applying for the loan in my name only and then switching the house to both our names afterward? Would this be possible?