Schengen visa with adverse credit report

score:2

Accepted answer

Unless the consulate specifically asked for a credit report (and I would be very surprised if they did), they won't actively seek this information (and they would have to pay for it, too). There is just not enough time and resources for this level of diligence on each visa application.

In your case, since you are the spouse of an EU citizen and traveling with him, it should be even easier to get the visa. In principle, you shouldn't be asked to provide any information about your finances, only to prove your relationship with your husband (marriage certificate, possibly a legalized translation). If the consulate does ask for more information or wants to collect a fee, you can try reminding them of the rules, maybe by providing a link to the official EU webpage about this.

Note that these rules only necessarily apply to countries other than the country of your husband's nationality (this is somewhat counter-intuitive but does make sense in the general EU framework). Per the website above:

If you reside outside the EU and your non-EU family members accompany you or travel to the EU country of your nationality, EU cross-border rules do not necessarily apply and visa fees might be charged.

The rules about where to apply for the visa are the same, i.e. you should apply to the consulate of the country where you will be staying the longest or, if staying for the same time in several countries, to the consulate of the first country you will enter.

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