<prompt> Human: Im planning to move in with my boyfriend next year so we can cut down on costs and help him get his debt paid off so he can start rebuilding his credit.I believe were headed in the right direction to get this fixed for him, but I want advice on what I can do on my part.He makes 40-45k a year, and I make 60k. We are looking into a 1,200-1,500 apartment so there will be plenty of left over money so he can pay off his debt ASAP. He has about 7,000 in CC debt. 8,000 car loan, and 20,000 student loan. He has not been making min payments on either of these due to an unemployment problem and terrible money management on his part. But now that he has a stable job and we are going to be cutting costs, and I am pushing him to make better decisions he wants to get rid of this debt as soon as possible. I understand that it will take some time for his credit to stabilize; approximately how long after he pays off his debt will his credit go back to normal? How will this impact our future when we decide to buy a house in several years? What are some things I can do on my part to help him stay on track and manage his money better?Assistant: Negative items remain on a credit report for seven years, but the impact on your score is reduced as that time passes. So if youre looking to buy in two, youre fucked, but if its 5-7 years after the accounts have been made current or ideally paid off youll be fine. Human: What if I have good credit 750? Will the mortgage loans look at his credit as well?  <response>: I have to use the lowest credit score when pricing a mortgage application, so your high score is irrelevant.You could do a mortgage with just you but then you cannot include his income and assets.As he gets his current accounts into better standing and add additional credit lines his score will go up. The blemishes will remain for 7 years but as you make improvements they will be given less weight. 