Misconceptions

• When you get married, your credit score does not merge with the credit score of your spouse, nor does your credit score become affected by anything in your husband's credit history.
  
  

Features

• If you have any joint accounts with your husband, those accounts will appear on both of your credit reports and affect both of your credit scores.
  
  

Considerations

• If you take out any loans such as a mortgage with your husband, lenders will look at both of your credit scores. If your husband has a poor credit score, that could affect your ability to get a loan.