How much will my hubands bad credit affect my credit?

We don't own anything together, no house, no joint acounts. Financially, we are completely seperate. I knew he didn't have great credit when we got married, I didn't know that it was as bad as it really is. If we always stay seperate (at least on paper) will my credit eventually go down the tubes?

NO. The creditors are smart but they do not know that you are together unless you are linked to him someway financially

If he goes bankrupt, so do you, other than that, I don't think his credit affects yours if you're completely separate. My other half was in it way too deep when we first got together, and I was still able to build a great credit history. Until that went down the tubes due to living with my other half...I think anyway...:)

His credit won't affect yours unless you apply for a joint account. Then his bad credit would dictate the interest rate.

Best to keep everything separate until he cleans up his credit.

Unless there any joint accounts, creditors can not come after you, credit profiles are individual. It would probably make good sense to keep it separate, until he restores his credit with a reputable credit restoration company. Of course he could do it on his own, but is like going to court against the other party, who has an attorney, it really pays to have some one with enough experience in the field to be on your side.

his credit has nothing to do with yours if you have no joint accounts. as a consumer finance advisor, if his credit is that bad... keep it seperate. if you do decide to get anything joint and you fall behind due to him, then thats when it affects your credit.