Marriage and Credit

A Presentation of the Did You Know Series

Did you know…when you get married you do not inherit your spouse’s credit? Each individual has their own separate credit file. When you marry those files are not combined…they will always be separate. So if the person you are marrying has less then stellar credit you do not need to worry about those hiccups bleeding over into your credit report. Once you are married if you choose to open any joint accounts or buy a home together, those particular accounts will then show on each of your credit reports as a joint account. But any individual accounts you have now or open after you are married will show only on your credit report.