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The Moneyist: My husband has terrible credit, so I’m buying a house alone—but I want pullout beds for his kids

Dear Moneyist,

For years, my husband and I talked about purchasing a home. I have excellent credit. However, his credit is terrible. We have had several discussions about paying off his debts and putting us in a better position to purchase the home.

While going through the process of purchasing a home, I discovered that he had outstanding bills and he did not pay off his $10,000 IRS tax debt that he incurred prior to us getting married. After consulting several lenders, no one will let us purchase a home together. The only way we can purchase a home is if I do it alone.

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