An LLC is usually what people use for small businesses, not for marriage. lol. It makes an entity that has its own credit history. If it goes bankrupt the owners are not technically liable for the debt. There are a lot of rules about it that you'd have to read up though. Google.
Well, if you have applied for a cc or loan within the last ... is it 60 days? you can request a copy of your credit report from wherever you applied.