<prompt> Human: Hi PF. Title pretty much says it all. Were ready to move in together after dating a few years. We were discussing this and I really dont know the answer. My credit score is around 740 and I make enough income 65kyr to qualify for apartments where were looking on our own. Her credit score is in the 630s after a few mistakes which do show up with a credit check when she was younger and her income is in the low-to-mid 30ks. She likely wouldnt qualify for apartments on her own here and has been subletting from friends before, so no lease history.This apartment will be my third lease in NYC, if it matters.So, from a financial standpoint, should we apply on the lease together? Will her credit scoreincome drag us down at all or will it be an advantage?  <response>: Not exactly finance advice, but Id recommend getting a place that you can afford on your own. I moved in with my now ex in Queens a few years ago, neither of us could afford the place on our own, when we broke up, we lost our security deposit when we broke the lease. Its something to think about, hopefully everything works out, but its good to have a back-up plan should it not. 