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To answer your question: No, the credit of one spouse will not effect the credit of the other in any way. The only time the credit of one spouse will effect that of the other is when both open a joint loan, or joint credit account, in which case those specific accounts will be reported to both of your credit histories. That's it! :o)
Hope this answers your question.
the last answer is correct. I would just like to add that as a stay at home mother with a husband with bad credit, I am severly affected. His bad credit is 6-10 years old, my credit is immaculate. We can not get a car or a house on credit, we have to pay cash for everything. we can not use my "perfect" credit because I do not work. We can not get approved jointly, and he can not get approved alone because of his horrible credit(even though he makes more than 100,000 a year). If you marry into bad credit it does not affect your score, but it may affect your life.
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How can you get a copy of your spouse's credit report?
If you're married than its easy... your spouse just gets a copy of their credit report and shows it to you. If your not married (divorced) than you cant - its illegal.
Is a spouse responsible for the credit card debts in the other spouse's name in New Jersey?
If the two of you are married, I believe you are responsible.
Is spouse responsible for husbands debts in Arkansas?
yes only if married at the time or unless if their credit cards no
If you get married how will your credit reports and bankruptcy affect your future spouse's perfect credit?
Your credit follows you individually. If you have joint accounts then they appear on both of your credit reports.
How can you get your name off the credit report if your ex let the joint credit card get charged off and the truck was repossessed?
The divorce is of no consequence. If your spouse and their ex opened joint accounts while they were married, they are jointly liable for those accounts and both credit reports will reflect the history. A divorce never supercedes any other contract. You mentioned that the accounts were "both in other spouses name". If that were true, the accounts would not be on your spouse's credit report in the first place.
Does your credit report show if your married?
If you filled out any applications for credit and said you were married -or- if you have any joint credit with your spouse, it will be on your credit report.
How can you get a copy of your spouse's credit report?
If you're married than its easy... your spouse just gets a copy of their credit report and shows it to you. If your not married (divorced) than you cant - its illegal.
Will your credit score change if you get married?
No. When you get married, your credit reports are the same as they were when you were single. The actions you take WHILE married, however, may influence your credit score. In States that are considered "Community Property" or "Marital Property" (there are nine in the US), the spouse must always be included on any new loans. Accordingly, if your spouse decides to apply for credit, your credit score will be a component of whether or not your spouse is approved. Also, if your spouse does not pay that bill on time or skips a payment, your credit report will be impacted.
Is a spouse responsible for the credit card debts in the other spouse's name in New Jersey?
If the two of you are married, I believe you are responsible.
Is spouse responsible for husbands debts in Arkansas?
yes only if married at the time or unless if their credit cards no
In Texas Is a spouse responsible for the ex-spouse credit card debt?
If the debt was made when they were still married the answer is yes. STATED BY AUTHOR
If you get married how will your credit reports and bankruptcy affect your future spouse's perfect credit?
Your credit follows you individually. If you have joint accounts then they appear on both of your credit reports.
How can you get your name off the credit report if your ex let the joint credit card get charged off and the truck was repossessed?
The divorce is of no consequence. If your spouse and their ex opened joint accounts while they were married, they are jointly liable for those accounts and both credit reports will reflect the history. A divorce never supercedes any other contract. You mentioned that the accounts were "both in other spouses name". If that were true, the accounts would not be on your spouse's credit report in the first place.
Will your husbends credit be hurt from your past student loan even if you weren't married?
No. Credit obtained as an individual does not affect a future spouse.
In New Jersey if your spouse's bank account was levied from a New York tax will it reflect on your credit?
Only if you are a party to the levy execution.
When a married person co-signs for someone else what effect does it have on the other spouse's credit?
None.
Will a spouse's bad credit affect your credit in a community property state?
Yes. If you are married and your spouse has bad credit, you inherit that bad credit and depending on the state, you can inherit half the debt if you divorce. * No, debts incurred before marriage do not affect a new spouse's credit report even in CP states. Problems could arise however, if the couple apply for a joint line of credit such as a mortgage.
