Getting married does not impact your credit history nor does it affect your credit score according to the FICO scoring guidelines. However, holding a joint account, with your spouse or anyone else, may affect your credit history.
Misconceptions
According to Credit.com, when you get married, you and your spouse continue to maintain separate credit scores. Your credit scores do not get combined.
Name Change
If you change your name when you get married, your new name will be added to your credit report so that all of your credit history---good or bad---will be carried over and will remain with you, Credit.com reports.
Effects
When you apply for a joint loan, such as a mortgage, the lenders will look at both spouses' credit reports. Both spouses will need good credit scores to be approved.
Joint Accounts
According to Experian, a global information services company, joint accounts you have with your spouse, or anyone else, will appear on both credit reports. If you are listed as a joint account holder and your spouse misses a payment, it will appear on your credit report as well.
Function
When you get married, financial institutions do not automatically add you as an authorized user to your spouse's accounts, according to Credit.com. You must request this if you want to be added.
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