Credit reports and scores reflect the creditworthiness of individuals, not couples. They are tied to your Social Security numbers which, of course, do not merge upon marriage. So accounts titled in only your own name will be reported in your credit history alone.
On the other hand, every joint account held with your spouse will be listed on each of your individual reports. Likewise, if you co-sign for your spouse, that debt obligation and payment history will also be on your report and may negatively affect your score.
If you plan on major purchases together, it is in your best interest as a couple to help improve your spouse’s credit rating. Major purchases often require both incomes to qualify for a loan. In that case, your spouse’s poor credit score may trigger higher interest rates—or even keep you from getting the loan.
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