<prompt> Human: Hi PF, Shes not my wife yet, but were getting to the point of proposal and future planning. I had a post a while ago requesting help on navigating a debt problem that arose, with the BK being the ultimate decision. I understand that the route chosen may not be the wisest, but were here now. A couple questions I have would be; If we got married first and then bought a house after, would her credit be part of the mix when doing the credit checks, or could we just leave her completely out of it all together? I know that would mean the title would be completely under my name, and wed be okay with that. Should we buy the house before we get married so issues wont arise? Id be a first time home buyer, so I have little to no clue how all this is supposed to work. Thanks  <response>: If its just your name on the mortgage then no she wouldnt be included and thats probably your best bet although that means just your income is included. 