"Although my credit score is fairly good, my husband’s score is about 100 points lower than mine. Is his score going to be a problem when we apply for a loan?" First, keep in mind that unless you and your husband have opened joint credit accounts in both of your names, your credit score and your husband’s credit score are completely separate. Second, understand that lenders will look at the lower of the two credit scores rather than the higher score or taking the average betw