You still have two seperate scores.
If you go to the bank to get a loan and put both of your name down, then both of your scores will be looked at. If yours is lower, for example, they will reduce the amount they might reduce the amount they give you because of that. Same goes for anything you go on together that requires a credit check. If he gets the loan only in his name, then they will only look at his credit. That's why my husband only puts loans in his name. My credit isn't well established, as I haven't used anything that requires my credit.
at 7:04 PM on Apr. 3, 2010