<human>: I've been with my SO for a few years and we're finally ready to take the plunge into marriage. She has a 700+ credit rating, has never payed a bill late in her life and is just about the most responsible person I know when it comes to money. I am the exact opposite.

My parents were never beacons of financial prudency so I never learned the skills I needed to keep myself out of trouble. Due to this, and my own irresponsibility, I now a have a torrid history of delinquent bills and even a car repossession. I've never qualified for a CC and my credit rating is hovering somewhere around the low, low 500s. 

Recently all of this came to a head when I tried to get a new car after my old one crapped out on me. I was being offered IRs of ~17% for a 60 month loan, which I couldn't afford. I also have had my wages garnished for failure to pay student loans, although I will have them paid off completely in a few months.

So far my SO has been extremely supportive, but I am worried. I am worried that my terrible habits will affect our financial future together and make it difficult for us to do something like buying a house or a car together. 

I'm starting from scratch, trying to change habits a decade in the making. Any books that you could recommend or advice that you could give to help me repair my finances would be most welcome. Thank you.

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<bot>: my credit is a mess, I have terrible financial habits, my SO is a credit GOD so I want to repair my finances before it solidly impacts us.