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Question By
LqueenL

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What happens to my credit score when I get married?
I am currently engaged with good credit, but my fiance has pretty poor credit. We're getting married in a few months and I'm wondering how our scores would be effected, if at all?

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Until you start sharing Credit Account it won't have any effect.

Best to work on cleaning your fiance's credit report now that will help in the long run. 

Your good accounts could help boost their score if you make them a authorized user.
Their bad accounts could drop your score if you become a authorized user.

Be very careful on what you do,  pull all your credit reports,   They are free once a year, and check everything out.

Congrats and Good Luck!

Credit History takes time so does your Credit Score.

Reply by
LqueenL

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Thanks Icuhowie! Just to make sure I understand, if we have joint checking accounts, our credit scores would be the same, but if we have joint credit card accounts or a joint loan, then our credit scores would be affected? 

Reply by
bretttdc

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I keep my financial life seperate from my spouse.  This means no joint accounts of any kind. Our credit scores are completely seperate as well. Fortunatly we both have good credit.  Having seperate accounts keeps things simple. A good prenuptial is a good idea too.

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