Ive researched several sources and found this info worded almost verbatim. If you are married ,you and your spouse can merge your credit files. If you have bad credit and your spouse has good credit getting his or her histories into your file maybe what you need. Write to three credit bureaus and request that they merge your files .Once this is complete ,your file will contain your negative and spouse positive . Apply for credit in your name only. Once you have accounts, your spouse must then write bureaus and ask that they have your accounts removed from his or her file . DO YOUR OWN RESEARCH AND GIVE ME A REPLY. This sounds better than a cosigner!!