When you get married does your credit score combine?

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When you get married, many aspects of your lives become intertwined, including your finances. One common question that arises is whether your credit scores combine after marriage. In this article, we will explore this topic in detail to provide a comprehensive understanding of how marriage can impact your credit score.

How Credit Scores Work

Before delving into the impact of marriage on credit scores, it’s important to understand how credit scores work. A credit score is a numerical representation of an individual’s creditworthiness, indicating their ability to repay debts. It takes into account various factors such as payment history, credit utilization, length of credit history, types of credit, and new credit.

Marriage and Credit Scores

Contrary to popular belief, getting married does not automatically combine your credit scores with your spouse. Each individual maintains their own credit score, which is based on their personal credit history. However, there are certain scenarios where marriage can indirectly affect your credit score.

Joint Accounts and Co-Signing

One way marriage can impact your credit score is through joint accounts or co-signing. When you open a joint account or co-sign a loan with your spouse, both of your credit histories become intertwined. Any activity on these joint accounts, such as missed payments or high credit utilization, can affect both individuals’ credit scores.

It’s important to note that joint accounts should be managed responsibly, as any negative activity can have a detrimental impact on both parties’ credit scores. Communication and financial responsibility are key when it comes to joint accounts.

Authorized User Status

Another way marriage can indirectly impact your credit score is through authorized user status. If one spouse has a strong credit history and adds the other spouse as an authorized user on their credit card, it can help improve the authorized user’s credit score. This is because the positive payment history and credit utilization of the primary cardholder are also reflected on the authorized user’s credit report.

However, it’s crucial to remember that authorized user status can also have negative consequences. If the primary cardholder misses payments or has high credit utilization, it can negatively impact the authorized user’s credit score as well.

Credit Reporting Agencies

Credit reporting agencies, such as Equifax, Experian, and TransUnion, collect and maintain credit information for individuals. These agencies do not automatically combine credit scores of married individuals. Each person’s credit history is tracked separately, and their credit scores are calculated based on their individual credit activity.

Protecting Your Credit Score

While marriage itself does not directly impact your credit score, it’s important to take steps to protect and maintain a good credit score after getting married. Here are some tips to consider:

Open Communication: Discuss your financial goals, debts, and credit history with your spouse. Transparency and open communication can help you make informed decisions regarding joint accounts and financial responsibilities.

Monitor Your Credit: Regularly check your credit reports from the three major credit reporting agencies to ensure accuracy and identify any potential issues. You can obtain a free copy of your credit report from each agency once a year.

Manage Joint Accounts Responsibly: If you decide to open joint accounts, make sure to manage them responsibly. Pay bills on time, keep credit utilization low, and avoid taking on excessive debt.


In conclusion, getting married does not automatically combine your credit scores. Each individual maintains their own credit score based on their personal credit history. However, marriage can indirectly impact your credit score through joint accounts, co-signing, and authorized user status. It’s important to communicate openly with your spouse, monitor your credit, and manage joint accounts responsibly to protect and maintain a good credit score.


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