Considering marriage-how will our credit scores be effected once the marriage is final?

One of us has about $ 35-$ 45k in student loans that have been deffered for the last 8 years with payments just now beginning AND a few bad credit cards that have been placed into collection. The other of us has a fairly good score, not perfect but good. Will the bad score effect the good score and visa versa? And what if we buy a house….can we just use one of our names on the loan application even if we are married? Just trying to think ahead and be smart…any advice is appreciated!

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