Marriage has absolutely no influence on the credit score of the spouses. A person with a high credit in a couple does not get a lower score after signing the marriage certificate with a person having a bad credit score. After the marriage credit scores do not sum up; every side of the marriage remains with their own credit points and score regardless of the circumstance.
The changes do come whenever two people with a higher and a lower credit score get a shared credit account in which they both are listed as owners. In this case, any missed payment or ranked up high balance will have a negative impact on your credit history. The same problem occurs when a married couple with the difference in credit scores applies for a loan or a mortgage. Missed payments or their transfers for a later date can and in most cases will lower the overall credit score for both co-signers.
So if you would like to avoid any negative influence on your credit score after marriage, you only need to keep away from the shared accounts and co-signed loans and mortgages.
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