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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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โˆ™ 2015-07-17 17:32:26
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Q: When you get married does your credit reflect on your spouse?
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Related questions

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.

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.

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

Is spouse responsible for husbands debts in Arkansas?

yes only if married at the time or unless if their credit cards no

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.

When a married person co-signs for someone else what effect does it have on the other spouse's credit?


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 you get married and you have good credit and your spouse has bad credit does your spouse affect your credit at all?

If you trying to buy a house together, yes, his credit will be taken into consideration and you may have to pay a higher mortgage rate. If you are trying to buy anything together because you need to consider his salary you may have problems. But just cause you are married to him does't automatically affect your credit. But he could potentially harm your credit if he defaults on any loans while you are married. Being married alone makes you accountable for what he does during your marriage in many cases.

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 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.

If you file chapter 7 on debts you acquired before you got married would that affect your spouse refinancing and credit if you are not on the loan?

NO, that would not effect your spouse or partner.

If you are about to get married and you are filing Chapter 7 bankruptcy will this bankruptcy affect your spouse in any way after the marriage?

It will only affect the non-filing spouse if the couple apply for some type of joint credit, such as a home mortgage. It will not affect the new spouse's credit report/score.

Can a spouse with good credit cosign a student loan for their spouse with bad credit?

That is decided by the LENDER.

Is a spouse responsible for credit card debts in the other spouse's name?

Only if the married couple reside in a community property state or the spouse is a joint account holder. An "authorized user" is not considered an account holder and is not legally responsible for debt incurred on a credit card account.

If you have bad credit will it affect the credit score of your spouse?

Your credit standing alone won't affect your spouse's credit. The only way your spouse's credit would be affected along with yours is if you jointly hold accounts and then fail to pay them.

If you are married and your spouse has bad credit can you apply for a home mortgage on your own in the state of Washington?

Yes.And I would recommend leaving your spouse's name and ssn off of any paperwork

If your married is your spouse responsible for your medical bills if you don't pay when your name not on the bills?

when you are married and your spouse don't pay his / her medical bills are you responsible for the bills when your name not on the bills and when they call they don't ask for me they ask for him and can they report it to the credit report

If your spouse co-signs for someone will it affect your credit too?

No, your credit rating is separate from your spouse. If he or she cosigns it will only effect his or her credit rating.

Can a spouse be held responsible for wife's premarital credit card debt in NJ?

Yes because when you get married you are one so your spouse whould be responsible for their debt because that means their in debt to

Does wife credit card affect husband?

If a spouse has a credit card in their own name & the other spouse isn't listed on it, bad credit won't affect the second spouse. But, if you both apply for a loan or other credit - the credit bureau will check both parties credit reports.

Will your medical bills be reported on your spouse's credit?

No. Credit reports show individual and joint debts, but not as husband and wife. For example, a married couple hold a joint mortgage it will be on both of their credit reports, individual accounts including medical bills will only appear on the CR of the spouse who incurred the debt.

If your spouse has a judgment against them can it also be filed in the other spouse's credit report?

If the judgment names only one spouse as the judgment debtor it will not be entered on the non judgment spouse's credit report.