Depending on the situation.

1. A credit check is required for couples who want to take out a loan together. When taking a loan from a rural credit cooperative, both husband and wife serve as the same lender, and both spouses need to sign a credit inquiry authorization letter to inquire about the personal credit of both spouses.

2. Your spouse will not sign for a personal loan. If this is a personal loan and the spouse has not signed a repayment plan and a credit inquiry authorization letter, then the Rural Credit Cooperative will only check the borrower's personal credit report and not the spouse's credit report.