<prompt> Human: I am wanting to know what would be the consequences positive or negative of marrying my SO in the coming year that has NO credit history.A little background, I have worked hard on my credit over the past three years and now have low 700s with all three bureaus while my SO has no real credit history.We just had a baby girl and I just purchased my first home. Which both happened just last week!I currently make 60k a year and my SO is currently a stay-at-home mother.I have a student loan payment, vehicle payment and now a mortgage. My SO has NO debts and has a Vehicle that has been payed off but is under her grandparents name.  <response>: You do want to get some credit in her name , you dont want her to have an issue if something happens to you. Joint credit cards would be perfect , she doesnt need a lot of credit just enough for future lenders to know she has existed and just made up the identity 