Is Your Credit Report Merged When You Get Married?

by Ron Haynes

True or False? When you get married your credit report is merged with your spouse’s to create a combined credit report.

wedding False.

Even though you may merge many, if not most, components of your personal finances with your spouse (your mortgage, or your American Express Gold Delta SkyMiles Card), you credit report IS NOT merged.

There is no such thing as a joint credit report or a joint credit score.

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Credit reporting agencies only maintain credit files on individuals so your credit file remains YOUR individual credit file when you get married. But that doesn’t mean your credit report doesn’t share anything at all with your spouse’s credit report or credit score.

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What credit information IS shared by spouses?

1. Joint Accounts

If you’ve opened any joint accounts, those would appear on both credit reports and would affect both credit scores.

2. Individual accounts with an authorized user

Another possibility where information is shared on both reports would be if you opened a credit account and later added your spouse as an authorized user.

3. Items or events held or filed in both names

If you have jointly bought items or filed legal papers or any sort, those would appear on both credit reports. These could include real estate with a mortgage, vehicles, businesses, or any civil judgments, liens or bankruptcies.

Credit information is individual if you keep it that way

Getting married usually means joint lives, joint friends, joint families … and joint credit accounts. But those joint accounts happen only if you want them to. To keep 100 percent of your credit report and credit score affected only by your personal actions, make sure you don’t sign up for any joint accounts with your spouse.

If you’re wondering about your own personal credit report information, head over to and get your free credit report. If you’re wondering about something much more important, namely how credit issuers use the information found in your credit report, go to as well. There you can get your FREE CREDIT SCORE and understand how your credit history will affect your chances of getting credit … and at what rate.

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About the author

Ron Haynes has written 988 articles on The Wisdom Journal.

The founder and editor of The Wisdom Journal in 2007, Ron has worked in banking, distribution, retail, and upper management for companies ranging in size from small startups to multi-billion dollar corporations. He graduated Suma Cum Laude from a top MBA program and currently is a Human Resources and Management consultant, helping companies know how employees will behave in varying situations and what motivates them to action, assisting firms in identifying top talent, and coaching managers and employees on how to better communicate and make the workplace MUCH more enjoyable. If you'd like help in these areas, contact Ron using the contact form at the top of this page or at 870-761-7881.

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