<prompt> Human: To start off, I dont know what she has done in the past to have pretty much garbage credit. For the past 3 years Ive made her put everything we buy under her name and finance. Her credit score is still under 600... all payments have been made on time, usually for more than they require.We both make 50kyear, for myself I invest 25. I have a credit score of 780, idk what hers is, but she still has a 500 limit on her cards. I have a 45k total limit, 500-8000 taken up with work expenses at any given time.Should I just put the loan and everything in my name rather than both of ours? My rates and payments are significantly lower when I run it. Only looking at a 120-200k house, so I think it may be fine. At the same time I want to buy a work related car where Ill get 0.75mile and can already get a great rate on the loan.We both have Chase Private Client Status if that helps in any of this.Assistant: Dont buy a house with a SO. Buy it in your name and let her pay rent. Also, stop telling her to finance everything. That is likely damaging her credit. Spend what you can affordHuman: With respect, I thought her paying off several thousand worth of furniture ahead of time would help build credit. On top of her car loan, I figured the payments every month help.We are married and have a very decent amount in the bank from investments and inheritance. I always figures that making payments without declaration built credit.  <response>: Nope, thats not helpful for building credit. 