: Focus on paying down existing debts to improve your overall financial profile .
: If you need both incomes to qualify for the desired loan amount, focus on a quick credit boost for the lower-scoring partner before applying . buying a house when one person has bad credit
“Applying solo fixes the credit problem, but it also takes your spouse's income out of the equation.” Experian : Focus on paying down existing debts to
: If the partner with good credit can qualify for the loan using only their income, you can leave the other person off the mortgage application. This often secures a better interest rate . buying a house when one person has bad credit