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Is it true when you get married you get the same credit as your husband?

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I dont have any credit and my financee has really good credit will i get really good credit to from marrying him?? i heard a friend talk about it yesterday

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  1. well you will ruin your husbands good credit.. they basically average it out.. you should get your credit really well and get you some cards to attain good credit status and pay them off and see where its at.....the people that say your credit and his stay the same are wrong... your credit and his gets affected... its always important to run credit scores before marriage so you know what to expect


  2. No.

    I'm married and my wife has poor credit and couldnt get a car loan, but I put it in my name and we were good, as I have great credit. What I think may be confusing you is that frequently people jointly purchase something (like a house), in which case both people's credit are viewed together when making a lending decision.

    Therefore, no they are not instantly joined, however, if you make joint purchases, both of your credit histories will be combined should you so choose.

    Hope that helps!


  3. no, your credit is yours, his is his, if you apply for things together then you will more than likely drag his down, if you want anything nice then apply for things in his name only

  4. Nope, untrue. My husband and I have different credit scores. The problem with credit scores comes when you buy a HOUSE together. THEN if you do not pay the bills on time, BOTH of your scores go down.

  5. Not until you open up credit in both of your names. Just because you get married to someone with good credit doesn't mean you automatically benefit from it. You must open credit first.

  6. No, you do not automatically get the same credit.  You will still need to build, and this means you have the opportunity to get great credit.

    When you apply for joint credit cards or loans, they look at both people's credit.  And that is how you will build your credit.

  7. No your credit is yours.  His good credit can help you build yours if you two are getting a loan together, like a mortgage.

    My ex husband had a bankruptcy on his credit, but my credit was good so we were able to get a mortgage together.  with years of timely payments, his credit was rebuilt.

  8. No, I have a better credit score then my husband.  

  9. no, but he can co-sign on credit with you and you can make yours better.

  10. Actually your credit will stay the same. But if you get a credit card with both of your names on it or buy a house, car, furniture, etc...with both of your names on it, then it will up both of your credit scores.

    For years, I was afraid as a single woman to buy anything on credit. I always saved up the money and then paid cash for what I wanted, because I was afraid that if I lost my job, I wouldn't be able to make the monthly payments and end up in serious debt and with bad credit.

    Then I decided it was time for me to trade in my old car for a new one. I was shocked when the car salesman told me that the interest rate would be 12.999% because when he did a credit check, he found that I didn't have any credit. So I bought the car and paid it off in 15 months and now I have 2 credit cards to keep my credit going, so if I ever need to buy something and make monthly payments, I won't have to pay a high interest rate. I never charge anything that I don't have the cash to pay for. I charge a little every month and pay it off as soon as I receive the bill. It's a good way to build some credit of your own.



  11. No without his signature your still nothing  

  12. No, you won't/ Your credit will stay exactly the same. Except now you are married to him and whatever he buys with his good credit you can reap the benefits from.

    Have him put your name on a few of his credit cards and you will be able to build up a credit history. Just keep the balances in check.

  13. i thought that was true cause my hubby has great credit and i have no credit but no you don't which is stupid why you can't but no  

  14. actually the couple goes by who has the worst credit so you both get bad credit

  15. No it's not true. Credit companies assess credit score individually even if they are married unless your fiancee will be your co-signor and open you a credit card and for that to be approved the credit company will assess his credit and not yours.

  16. No, but, you will be listed on each others report as "spouse" or contact person.
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