<prompt> Human: My credit is back on track but will be a while before it recovers, 550 according to CreditKarma. Hers is a healthy 730. Looking at a 8k-14k loan. Should my name be anywhere near the note? Will they approve her with 0 income? Thanks for the responses in advance, the site tools were really helpful but could not get the answer I was looking for.  <response>: If youre married and she has reasonable expectation of using household income read: your income to make the payments I think that is the income she claims when applying. At least, thats the way it works with most credit cards. 