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When you get married does your credit reflect on your spouse?

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2015-07-17 17:32:26
2015-07-17 17:32:26

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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Related Questions


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.

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.

Yes, they will be held responsible. Because they are married, the spouse is considered to have benefited from the goods and services purchased by their spouse.

If the debt was made when they were still married the answer is yes. STATED BY AUTHOR

No. Credit obtained as an individual does not affect a future spouse.

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.

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.

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 the two of you are married, I believe you are responsible.

I would contact the credit bureaus and file a fraud alert to each of spouse credit report. (IF you file fraud alert with experian or equifax etc, they will add the alerts to all 3 credit reports). The only thing you can't do is file a police report since your spouse is protected from being criminally charged since you are legally married to your spouse and you are required to monitor your identity if your spouse steals it. Certain states do allow spouses to file criminal charges so please contact your Attorney General about possibility of filing criminal charges. 95% of the time the AG will not bother filing charges since you are legally married to your spouse and you are obligated to prevent him from using your identity to establish credit without your consent. Source: I Filed for divorce and tried to file criminal charges against my wife for using my identity to get credit cards but she obtained the credit cards while being married and not being separated which I end up taking the loss for it. You guys need to study Spouse Protection and how it works if your spouse steals your identity. This is why you want to monitor your credit reports no matter how much you trust your spouse. If the identity theft took place during a legal separation or after filing for divorce then you can file a police report and block the inquiries and credit accounts on your credit report and also being able to press criminal charges against your spouse. Reminder: Please put that fraud alert on all credit reports ASAP to stop the damage of your spouse is going to do to your credit if your spouse is living with you at this moment.

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.

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

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

*The point is they are married and although it won't affect her credit rating if her husband is stuck with this loan it will reflect on both of them as far as possibly putting them into debt. If your spouse just cosigned then yes, they are responsible for that debt if their child decides not to pay. If the child does pay the payments then there should be no problem. Cosigning is never a good idea even if it is family because the cosigner is 100% responsible for that debt. * The non signing spouse would not be responsible for the debt nor would it affect his or her credit rating with perhaps the exception of applying for joint credit. Even if the married couple live in a community property state under such circumstances a spouse would not be responsible for the other's financial obligation that involved children of a previous marriage.

Legally, you can only be married to one spouse. If you have more than one spouse it is bigomy, which is illegal.

Spouse = married. Can't have one without the other.

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.

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.

When I married my girlfriend she said I am her spouse.

It's better to refinance. A short sale will reflect negatively on your credit record.It's better to refinance. A short sale will reflect negatively on your credit record.It's better to refinance. A short sale will reflect negatively on your credit record.It's better to refinance. A short sale will reflect negatively on your credit record.

Sorry for the bad news, but the answer is no. The data in your CR will remain regardless of your marital status.

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.

That is the decision of a lender not the spouse who wishes to prevent the action.


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