I saw a similar situation on the Suze Orman show, about a woman who was going to marry her b/f of a long time, and he had financial problems, and she advised to not marry him until he saw his problem, and relized that it will only get worse, and started to be responsible with his money and spending habits. In your situation, I would say that if you do marry him b4 he gets his life in order, it could effect you, and your good/neutral credit, because when two people are in a commitment like that, its hard to stay an individual and have separate bills, accounts, etc., and both of you would be in the same situation. Talk to him about this and tell him your concerned about your future together.