DW and I have been married a number of years now, have a mortgage together but no other shared finance. She's accumulated a bad credit score through a series of bad decisions money wise. We don't currently have a joint bank account but we need to find a way to manage shared finances and were thinking of a joint account just for bills and child expenses, keeping our own accounts for personal spending. My credit score is high, I have very little credit and low affordability due to being a SAHM for a number of years (just recently gone back to work).
All the advice online says not to get a joint account with someone with a bad credit score as it links you financially. But does this matter when you're already married? I'm assuming it doesn't but don't want to risk my credit score any further.