After signing the marriage papers, each of the spouses remains within their pre-marriage financial states. This means that the sole signature on the marriage certificate does not mean that your credit scores sum up and are then divided by two. After the marriage, each of you will continue maintaining their credit history and score separately from each other.
If you decide to take a credit in your name, your spouse’s bad credit will not be considered by a credit bureau as well as it will have no impact on the approval or declining of your loan application. However, if a spouse with a better credit history decides to help a spouse with a bad credit history, they can open a shared account or take a loan or mortgage together. Timely payments for the loan or mortgage and regular positive movement on the shared account will improve the credit score of the spouse with bad credit.
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