Credit Advice » Life Stages » Marriage

Marriage

Marriage joins two lives and that means the good and the bad, the wildly romantic as well as the ordinary and everyday. Typically, couples who wed also merge at least part, if not all, of their financial lives, too. You may wonder how marriage will affect your credit now that your financial future is entwined with your spouse’s. It’s important to understand that parts of your credit lives may be linked, while other aspects will remain separate.

How Marriage Can Affect Your Credit

  • If you apply for credit together, the lender will likely check both of your individual credit scores.
  • Some states have community property laws that can treat any debts you incur in marriage as joint debt.
  • If your spouse adds you to an existing credit account, it could impact your personal credit utilization ratio.

Maintaining Your Credit History after Getting Married

August 27, 2014

Dear Experian, When I got married my husband put everything in his name (utilities, house, etc.). I still have two credit cards in my name. How can I maintain good...

Getting Married when Partner Has Declared Bankruptcy

September 10, 2013

Dear Experian, I’m planning to ask my girlfriend to marry me. However, I just found out she has filed for both chapter 7 bankruptcy, in 2000, and chapter 13 bankruptcy,...

Will Changing Your Name Impact Your Credit

September 10, 2013

Dear Experian, I'm getting married next week and am wondering if I should take my husband's last name. His credit is not quite good, while mine is very good. If...

Each Spouse Has Their Own Credit Report

September 10, 2013

Dear Experian, My husband and I are thinking about purchasing a car. I just printed out my credit report from Experian. Should my husband check his as well? Should we...

Why Previous Names Appear on Your Credit Report

September 10, 2013

Dear Experian, I am married for a second time. Can having my maiden name and two married names negatively affect my credit score? My "middle" score is 780 but I...

Marrying a Spouse who Declared Bankruptcy

August 20, 2013

Dear Experian, I would like to get married to a man who filed for bankruptcy. I have great credit, and he has a new slate. Will it wreck my credit...

Name Change After Marriage Won’t Hurt Credit Scores

March 13, 2013

Dear Experian, I am married for a second time. Can having my maiden name and two married names negatively affect my credit score? My "middle" score is 780 but I...

Joint Accounts Can Help Spouse Qualify for Credit

February 28, 2013

Dear Experian, I have been married for many years and have always had credit with my husband. If I ever need to apply for credit on my own, will I...

New Spouse’s Old Debt Won’t Hurt Your Credit Score

September 26, 2012

Dear Experian, If I have a very good credit score and I marry someone with a bad credit score and previous debt, does that affect my credit score? - DTR

Marriage Does Not Combine Your Credit Reports

January 4, 2012

Dear Experian, My fiancé is divorced and lost his house to foreclosure. He has a bad credit history including bankruptcy. When we marry what are the pros and cons of...