Marrying a person with a bad credit history wont affect your own credit record. You and your spouse will continue to have separate credit reports after you marry. However, any debts you take on jointly will be reported on both your and your spouses credit reports.Marrying a person with a bad credit history wont affect your own credit record

Should I marry him if he has debt?

When deciding whether to pop the question ― or agree to a proposal ― its important to consider how debt can alter the relationship. From a legal standpoint, bringing debt into a marriage doesnt mean the other spouse becomes liable for it. That remains the responsibility of the person who accumulated it.

Does husbands bad credit affect wife?

Highlights: Getting married and changing your name wont affect your credit reports, credit history or credit scores. One spouses poor credit wont impact the other spouse -- unless you jointly apply for a loan or open a joint account.

Does divorce hurt your credit?

Getting divorced Actually filing for divorce doesnt directly impact credit scores, but if you have late or missed payments on accounts as a result, it may negatively impact credit scores. In community property states, property – and debts – acquired during the marriage are generally owned equally by both spouses.

Can you reset your credit score?

Unfortunately, there is no restart option when it comes to your credit history. The whole point of the credit reporting system is to help lenders make decisions about potential borrowers based on their credit history. If people could get new credit reports, that would negate the value of the system.