Married to bad credit?

Florida is not a community property state, which basically means that you have no responsibility for your wife's individual debt. The only way you would have responsibilty is if you actually signed for it as joint credit.

But since these debts of hers are from long ago, and you weren't a party to it, then it can't go on your credit report and they can't demand you personally to pay for it.

The only thing that could affect you, really, is if you both have title to certain property (a car or home, for example). Her creditors could get a judgement, and go after her interest in the property.

And be aware of the fact that your decision to pay the old debts will renew the reporting time frame in your credit report. Negative items stay in the credit report for seven years as per the FCRA laws.

If you pay any of those debts that are already past this reporting period, the accounts will look current and your payment history will put a direct impact in your credit scores. If can decide to clear the debts, paying in full will be the best thing to your credit.

Also keep in mind that when and if you do go to buy a house or property in both your names, her credit will directly effect the interest rate that you will get. That seems to be the biggest issue with a spouse having bad credit, getting new credit.

I am not allowed to look at a bill. He is in debt. I don't know how to stop him. He has all cards in his name.
What if we end up in divorce? Do I have to help him with those bills?