<prompt> Human: Hello,We are getting married soon so we both looked up our credit scores, mine is 755 and hers is 650. How will this affect us looking for mortgages and other loans in the future? Some background on us: I will be 320,000 after medical school - then making 180kish a year. Is her credit anything I should be worried about? thanks  <response>: Firstly, congratulations - 650 isnt that bad, Id say around average. It shouldnt be a huge deal unless she has collections, judgement. Keep an eye on her debt to income ratio and pay any balances down for her will show an improvement. If she has no credit, then she needs to build it. Avoid lates at all cost, they can add up to a small fortune in terms of late charge and higher interest. Good luck 