What happens to your credit score when you get married?

AffiliatePal is reader-supported. When you buy through links on our site, we may earn an affiliate commission.



When two individuals decide to get married, their lives become intertwined in many ways, including their finances. One aspect of financial merging that often arises is the impact on credit scores. Many people wonder what happens to their credit score when they get married. In this article, we will explore the various factors that can affect credit scores after marriage.

Combining Finances

Joint Accounts: One of the most common ways couples merge their finances is by opening joint accounts. This could include joint bank accounts, credit cards, or loans. When you open a joint account, both individuals’ credit histories will be considered, and any activity on the account will be reflected on both credit reports. It is important to note that joint accounts can have both positive and negative effects on credit scores.

Authorized Users: Another option is to add your spouse as an authorized user on your existing credit card accounts. This allows them to use the card but does not make them responsible for the debt. While their credit history won’t be directly affected, their credit utilization ratio may be impacted if the card carries a high balance.

Marriage and Credit Reports

Marital Status: Your credit report does not directly indicate your marital status. However, if you change your name after marriage, it is essential to update your personal information with the credit bureaus to ensure accurate reporting.

Joint Debts: If you and your spouse decide to take on joint debts, such as a mortgage or auto loan, these debts will appear on both of your credit reports. It is crucial to make timely payments on these joint debts to maintain good credit scores.

Marriage and Credit Scores

Individual Credit Scores: Getting married does not automatically merge your credit scores. Each individual maintains their own credit score, which is based on their credit history and financial behavior. However, joint accounts and joint debts can indirectly impact individual credit scores.

Joint Account Responsibility: When you open a joint account, both individuals are equally responsible for the debt. If one person fails to make payments or accumulates significant debt, it can negatively impact both individuals’ credit scores.

Financial Behavior: Your financial behavior after marriage can also affect your credit score. If you and your spouse manage your joint accounts responsibly, make timely payments, and keep your credit utilization low, it can have a positive impact on your credit scores.


In conclusion, getting married can have various effects on your credit score. Opening joint accounts or taking on joint debts can impact both individuals’ credit scores, while maintaining responsible financial behavior can lead to positive credit outcomes. It is crucial to communicate openly with your spouse about your financial goals and responsibilities to ensure a healthy financial future together.


– Experian: www.experian.com
– Equifax: www.equifax.com
– TransUnion: www.transunion.com