<human>: I have excellent credit (770+ range), but my partner has a mostly reformed, but poor payment history and credit in the low 6 range. She cancelled all the cards some time ago and has been working on re-building. She understands how important financial health is to me, and we thoroughly discussed financial goals prior to signing the marriage license.

I don't expect to need good credit in the next five years (I already have the low interest mortgage, don't need auto loans, etc.) but I'm not sure if getting married to someone with a significantly lower credit rating will have impacted mine. Does anyone know if I apply for a personal loan in my name only, will our marriage have impacted my credit standing or if lending agencies will look at her credit as well as mine?

Also, I'd like to improve her credit as quickly as possible so that when we start making more decisions together and look to do things like take loans in both our names that we can get the best rates possible.
To that end, I'd like to see her get a credit card. However, our CU turned her down recently due to the poor payment history. Assuming that we are paying the balance off in full every month, will co-signing on a card for her lower my credit?  Are there other things I can do to help get her credit in better shape? I recognize that improving credit mostly takes time, but having an older credit line is part of that.

Condense the text into a few key points
<bot>: I have good credit. Married someone with bad credit. Does this impact my credit rating, and what can I do to improve hers?