Find the right lawyer now

Does Getting Married Affect Your Credit Score?

Find a Local Family Lawyer near You

What Will Happen to My Credit When I Get Married?

The moment you are married, your credit reports will not merge. Your respective credit scores will stay separate. Also, your new spouse’s credit history will not be reflected in your credit history. So, your score will not fall just because you married a person with bad credit. Conversely, your credit score will not increase because you married a person with excellent credit.

Even if your wife changes her last name, her credit score will remain the same. A person’s credit score is tied to their social security number.

Will My Spouse’s Poor Credit Affect Me?

Your spouse’s credit history will affect you if you both apply for joint lines of credit. This is because the bank and lender will look at both of your credit scores before giving out a line of credit.

If the two of you pay your debts on time on the joint line of credit, then a spouse’s poor credit will not be reflected on your credit report. But if your spouse does not pay the debt in a timely manner, then both of your credit scores will be affected.

How Do I Prevent My Spouse Poor Credit from Affecting Me?

This merely depends on how you apply for and use credit. If you do not have joint lines of credit with your spouse, then their poor credit will not affect you. This is especially true if you keep all of your finances separate.

Should I Consult a Lawyer?

If you are concerned about your spouse’s bad credit, then you need to consult a family lawyer. Your lawyer can help you find alternative methods to resolve your financial problems.

Photo of page author Mabel Yee

, LegalMatch Legal Writer

Last Modified: 05-24-2018 12:33 AM PDT

Law Library Disclaimer
  • No fee to present your case
  • Choose from lawyers in your area
  • A 100% confidential service
What is LegalMatch?

We've helped more than 4 million clients find the right lawyer – for free. Present your case online in minutes. LegalMatch matches you to pre-screened lawyers in your city or county based on the specifics of your case. Within 24 hours experienced local lawyers review it and evaluate if you have a solid case. If so, attorneys respond with an offer to represent you that includes a full attorney profile with details on their fee structure, background, and ratings by other LegalMatch users so you can decide if they're the right lawyer for you.