The husband’s credit loan requires the signature of both husband and wife and the credit will be checked. If a couple agrees to sign a loan together, the bank will check the credit of both spouses. And the loan can only be made after confirmation from both spouses.

Whether the husband’s loan will check the wife’s credit report needs to be analyzed based on the actual situation. Different loan products have different review materials. If the user is applying for a house loan or a car loan, the properties belong to the same property as husband and wife and require the signature of both husband and wife. In this case, the wife's credit report needs to be checked.

If the user applies for a loan business, personal credit loan, consumer loan, etc. before marriage, the wife’s credit report will not be checked. For general loans, only the loan applicant’s credit report and For other information, the credit report of the couple will not be checked.

If you have any questions or need help, please consult a professional lawyer or financial advisor. You can also study on your own at Debt Baitong, which covers corporate credit reporting and rights protection.