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Holding on to Your Credit Identity Once You're Married

Holding on to Your Credit Identity Once You're Married


You may assume your husband's last name when you get married and you might even merge bank accounts. Just as you maintain an individual identity outside of your husband and your new last name, you need to protect yourself by sustaining your own credit profile. This can be accomplished even if you combine checking and savings accounts. Find out how to keep your credit identity and why it's so important when you read more.

Nobody wants to think about the end of the road when you're newlyweds, but we all know that forever does not always last that long. Maintaining your personal credit identity is a way of protecting yourself and assuring that you'll have access to credit if your married life ends. Shared credit cards sometimes make sense, but even if you go this route, keep the credit cards you had before marriage.

You can always add your husband as an authorized user, and he can do the same with his card, but you need to hold on to your premarried credit history. The credit bureaus won't calculate a FICO score for someone whose credit history has been inactive for more than six months: If your accounts go unused for a long period of time, this inactivity can work against you and leave you with limited, unfavorable credit options.

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