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.

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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.
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