<prompt> Human: My husband and I got married last month, and we have had a joint bank account for the past year and a half. We were both irresponsible teenagers, and ruined our credit his worse than mine. His were from student loans that were paid off with his income tax, and a few credit cards. Mine was just a VIctorias Secret credit card that I let go, and I plan on paying that back over time. So far Ive been building mine back up, but his is so far in debt that I feel like he wont be able to bounce back unless he files for bankruptcy. Mine has gone up a lot of points, and keeps going up because Ive learned my lesson. Pay the bill on time, pay more than whats due, etc. Our plan is to buy a house once my credit score reaches mid-high 700s. Our only problem is that he makes the money, and I have the credit. Will this be a problem later when we start looking and apply for a loan?  <response>: You cant pick and choose what gets counted.If his income is to be considered, so does his credit score. If your credit score is to be considered, so does your income. 