text: Well, having debt is how you get a credit rating in the first place.  So just the fact that someone has some - and will continue to do so, doesn't mean it has to be bad.  It's how they handle their debt that counts.\n\nYou don't say how this person handles money, but it's very true that money issues are a big factor in divorces.\n\nIf s/he has a different perspective than you, you may want to consider moving on, staying but not getting married, or simply putting things off for a while.\n\nIt's very easy to get a bad credit rating, but not so easy to clear it up!