What Happens to Your Credit When You Get Married?
Ask the Expert: Do Credit Scores Merge After Marriage?
A reader is ready to tie the knot but isn’t sure if their credit score will be affected in the process.
[April Lewis-Parks, Consolidated Credit Director of Education] Do credit scores merge after marriage?
[On-screen text] Consolidated Credit Ask the Expert
[Lewis-Parks] When people get married, each person maintains their own individual credit score. So, one score doesn’t impact the other score unless you have joints accounts. Any debt you have before marriage remains separate, unless you add your partner as a cosigner. And debts incurred after you’re married that you hold jointly can affect both spouses’ credit scores.
Common examples of these are mortgages and auto loans. Any missed payments on jointly held debt will damage both spouses’ credit.
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