<prompt> Human: Like I said in the title, he has a credit score of 160. We have multiple assets but would like to buy a house in the future and also would like to upgrade cars eventually. His father passed away 2 years ago, but when he was around, as far as we know, he took out loans in my SOS name but we dont know what else he might of done. Are there any steps we can take to fix this? Its so bad that even with my good credit he cant even Co-sign with me. Im at a loss at what we can do and would appreciate some help. If it is useful he makes 25,000 a year, with bonuses. Collectively we bring in about 50,000 a year.Tl;dr Are we screwed?Edit: He is 26, turning 27 this year. This all happened when he was very young and we dont have any records due to lost connections with his father before passing.  <response>: You need to pull his credit report and figure out exactly what is outstanding.FICO is on a scale of 300-850. A score of 160 is impossible. 