If I have bad credit and get married will it effect my husband's credit? We do not have any joint accounts

I see no reason why it should affect your husband's credit. He's got one credit history and you have another.

But if you apply for things like a mortgage together, then the lender will see both histories. So you should consider carefully whether your financing options are best served having the two of you apply together for a mortgage, or whether your husband should just apply by himself.

Not legal advice as I'm not licensed in Wisconsin. It's just information based on general principles of law which is intended to educate. If you need legal advice, please consult a lawyer who holds Wisconsin licensure.

Good luck.