Does my amount of credit have anything to do with whether or not my wife gets approved for credit or is she considered separate from me? They sometimes ask for total household income so I would think that it may have some effect. If they do consider my credit, would they pull my credit report when she applies?
Tom, Your wife and you are considered two separate entities to credit card companies. Your credit standing would have no effect on her obtaining credit (and vice versa). They only way it would if both of you applied for an account jointly. They would pull both credit reports and make a decision from there. Hope this helps. Dani
Tom, If you apply for a credit card and are asked if any additional income.. You can add your wifes income for the total household income.. It does not affect your wifes credit whatsoever, unless you make her a co applicant.. It would help when a credit line, ect is being decisioned for you applctn
