 So me and my girlfriend are planning on buying the house in two years, and I was wondering if I have an 800 credit score, if I should let it go to zero, or if I should uphold this and continue on that path. Well, number one, don't buy a house with somebody you're not married to. Really dumb idea. You're going to get burned, okay? If you want to buy a house and have a roommate, that's your decision.