This is one of those shaky personal finance topics. Nevertheless, this is an extremely important piece of information to find out about your partner before moving in together. One of the worst case scenarios is finding out that the person you are involved with has a mountain of debt tied to their name. Don't let this be you. Now we are not saying this should be a topic of discussion on a first date, but you better know what you are getting into if you plan on combining finances. Bad credit can affect everything from your ability to buy or lease things in the future. If either you are suffering credit issues, consider hiring a credit repair company to help you get your credit back on track.