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Discuss Credit Fears and History

Many women worry about their boyfriend's credit and how it might affect their own credit if and when they tie the knot. In a nutshell, nothing happens to your credit when you get married. Your credit history is yours to keep, but it's important that you continue using the cards you already have in your name so that your credit history stays active. Your names will never appear on a credit report together — reports are generated for individuals only. However, if you and your husband open any joint accounts together, those will appear on both of your credit reports.


While there is no such thing as "our credit score," your husband's credit could affect you (but not your credit score) because both of your scores are considered when you apply for joint accounts or a mortgage loan. You might be faced with higher interest rates on these joint finances than if you applied for them on your own.

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sham28 sham28 5 years
After 6 months of dating my boyfriend, who is 10 years older than I am, I complained about a high interest rate on my credit card and he decided it was time to face all of my credit fears. He made me print a report, explained everything on it in a very non- judgmental way, and explained that I was really only paying interest on my credit card and not the balance, and my car payment was similar. He helped me make a plan, and he told me recently (we've been together almost a year) that he wanted to see what the damage was so he knew what he would be marrying into :) He said it jokingly but it was cute.
kscincotta kscincotta 5 years
I always wondered about that. Good info!

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