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Depends on primarily 2 things... Do you make the majority of the household income? Does your spouse? If the lower score makes the majority of money, that weakens the effect of the spouse with the higher score on the app. Why is your score 600? If you have open and active collections, judgements, liens, garnishments, things like that, typically the app will be declined as those are usually automatic disqualifiers. However, if you don't have any other these items, but just recently came out of a bad credit situation and are on your way back to a decent score, then the 775 on your app should get you approved.

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Q: If you have terrible credit below 600 and your spouse has outstanding credit above 775 how does the negative credit influence a loan application?
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