One spouse can apply for a bank credit loan separately, and there is no need to check the credit information of the other spouse at the same time, as long as the applicant has a good credit information, there is no problem. If you need a guarantor in the process of applying for a bank credit loan, you should also check the credit information of the guarantor. In addition, if the loan amount of personal credit loan is only used for personal expenses and not for family expenses, it is a personal debt and the other spouse does not need to repay it together. If there is a credit problem, it will not affect the other party's credit. Credit loans are relatively simple in material preparation and application process, and the speed of approval and lending is also fast. At the same time, credit loans can be selected from products with low interest rates, such as provident fund loans, corporate tax loans, wage loans, policy loans, etc., and the credit information of the guarantor's spouse will not be inquired, because when users apply for loans, lending institutions mainly examine their own economic situation. If the user does not meet the credit conditions, a guarantor can be added to reduce the loan risk. Generally speaking, when reviewing the guarantor's situation, we will specifically ask the guarantor's income, credit information, liabilities, etc., and measure whether the guarantor can bear the repayment responsibility after the deadline. If you want to be a guarantor, you need to sign a contract agreement. If the spouse does not agree, he can also refuse to accept the credit inquiry. Generally speaking, after being a guarantor, he will bear part of the liability or joint liability according to the agreement. If the borrower fails to repay or directly loses contact, the guarantor is required to repay. If the guarantor's credit information is not repaid, it will be affected. If the circumstances are serious, the guarantor may also face prosecution or be executed by the court.