Joint Accounts Can Help Spouse Qualify for Credit

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 be able to get approved based on the good credit I have had with him?


Dear EDD,

The reports of married couples are not merged. If you are a joint account holder with your husband or an authorized user, the accounts will appear on your credit report as well as his.

If something were to happen to your husband and the joint accounts remained open, that payment history should help you qualify for new credit independently.

That said, it is still a good idea to maintain some credit in your name only. Having just one or two accounts will ensure you have an active credit history if for any reason you wanted to close the joint accounts. Having active, open accounts is an essential part of a strong credit history.

Thanks for asking.
The "Ask Experian" team