Your partner wants to finance a house someday. I know I'm on the losing side of this battle but I really wish people would stop associating BUYING a house with taking out a LOAN from a bank.
It just feels like people are only deceiving themselves by saying "I need good credit to buy a house" when what they really mean is "I need good credit so I can take on a lot of debt and pay out hundreds of thousands of dollars in interest over the next 30 years."
If they're going to get the same suspension either way, they might as well..........