The study was designed to show the estimated credit scores of an average citizen of that community rather than individual credit scores of all members of the community. (badcredit.org)
If one of you has poor credit, this can affect your ability to get a loan, but it does not affect individual credit scores. (quotacy.com)
Some employers also look at individual credit scores, so this could impact a potential new job score. (financialwellness.org)