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If you're married, he can technically use both of your incomes in applying for credit IF it asks about household income, etc. But, if it just asks about his income, then he shouldn't be able to legally use yours.
As for liability, nether VA or NJ are community property states, so you would not be responsible for the individual debts of your spouse.....so if he obtains credit, it would not make you liable for the debt (if it's an individual debt of his alone).
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