Bad credit is one of the worst problems to have… however there exists a solution. I will hereby talk from my personal experience. I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details, if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times,

I suggest you get as much information as possible online on this first, a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

Yes and no. It will not directly affect his credit score, but if he marries you, he also marries your debt. And vice versa. How soon are you getting married? Do you have enough time to get some of your debts cleared up? Start by paying extra on a debt that you owe the less on. Once that is paid off, take the amount you were paying add it to the next lowest debt. And so on. But for God sakes, if he knows about these debts and is still willing to marry you and work at getting them paid, then get married. The only problem I see arising is when you apply for a mortgage. The mortgage company will want those debts paid for before they give you a loan. Good Luck and God Bless

Only if you try to get a loan with both of you on it; like if you get a loan for a house then your bad credit will affect things. Many people think once you get married you take on your spouse’s credit, and that’s not true. My husband worked for Experion for many years when we lived in TX, so I get my info right from him. His credit is his and your is yours. Now you can get married, Congrats!!!!!

Yes find out which of you has a better score, the Credit Reports are free. There are 3 ask for one at a time every 4 months each year. A FICO score of 600 and under is awful
Pay your bill son time, have a history of paying bills, have a savings, checking thats how scires get raised and within 6 months your score will go up
If you get married by tyhe time you go to buy a house BOTH of you should have had time to RAISE your scores, after this housing crisis ends in 2 years youll need a hi score and MONEY in the bank to put down at least 15-25%

If you apply for a loan, your income won’t be considered if your credit is bad. But in general, his credit rating won’t be affected because of your bad credit.

It will only affect him if you apply for a joint loan, or a joint line of credit.

Simply being married will not lower his credit score (or raise yours)

So keep working on raising your credit score, but that should not be a reason for putting off your marriage.

I hope that helps.