If I have good credit and marry someone with bad credit will my credit score go down?

"does a wife with good credit incur the husbands bad credit upon marriage?"

Public Comments

1. Marriage does not merge your credit files. If you apply for any joint credit, his poor credit will definitely influence the interest rate. More important, has he developed better financial management skills or does he still have the same bad habits that cause that poor credit?
2. As long as you do not merge any accounts - loans, credit cards, bank accounts, it will not affect the score. Putting him as an authorized user on any credit cards she has will effect the score. Don't even have a joint checking account, or use one of your credit cards to pay off one of his debts.