Unless there was a prenumptual agreement, half if you decide to divorce. However the damage to the credit rating would be limited to the account holder(s) linked to the accounts. * In the US married couples only share credit history when it pertains to jointly held debts. If the married couple reside in a community property state both parties are responsible for any debts incurred during the marriage and both share equally in any assets acquired during the marriage. If the married couple do not reside in a CP state neither spouse is responsible for the a debt that is solely incurred by the other spouse. In states that allow Tenancy By The Entirety property, said property cannot be attached by creditors when only one spouse is the debtor.