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cls1977

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when i get married will my husband's credit be affected by my credit score?

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Mostly no!

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Luckily, your own credit score won't affect your husbands. But i agree with the previous post that if you two co-sign for a mortgage, auto loan, etc., your score COULD affect receiving the best rates or getting the loan. A lot of the time though most creditors take the higher score out of the cosigners. The only possible way you could hurt your husband's credit is if your own mistakes that hurt your credit carries over to your mutual payments together. For example, say that you're often late on credit card or loan payments. If you're responsible for scheduling the payments for, say, you and your husband's auto loan and you pay it late a few times, then THAT will hurt your husbands credit because he is also a co-signer and therefore responsible for making the appropriate payments on time. Hope that helps!

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No, but if you want to buy a house they will need both of your credit scores and if one of you doesn't qualify because of credit that spouse's income can't be considered for qualification.

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