That's fair, some places are explicit and still lay out "individual", but legally you don't have to. In either case, I'd also note here, because they are a mar

That's fair, some places are explicit and still lay out "individual", but legally you don't have to. In either case, I'd also note here, because they are a married couple they are counting that income twice. Which, for offering credit is a bit dangerous as this income "secures" the credit line. I'm more surprised it didn't result in an outright decline if they didn't seperate their income when applying.