{"id":13593,"date":"2024-12-02T17:13:14","date_gmt":"2024-12-02T23:13:14","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=13593"},"modified":"2025-06-03T16:56:30","modified_gmt":"2025-06-03T22:56:30","slug":"does-getting-married-affect-credit-score","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/life-events\/does-getting-married-affect-credit-score.html","title":{"rendered":"Does getting married affect your credit score?"},"content":{"rendered":"\n
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The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. <\/em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n

Your credit score is not directly affected when you get married. However, spouses can still impact each other\u2019s credit through other financial decisions.<\/p>\n\n\n\n

Marriage will change many areas of your life, but will it change your credit? The short answer is, no, getting married doesn\u2019t directly impact your credit, but marriage and credit scores are still linked. <\/p>\n\n\n\n

Some marriage-related changes can affect your credit, including name-change complications and adding authorized users to an account. Luckily, this doesn\u2019t have to be seen as a negative. Instead, view your marriage as an opportunity to stay financially healthy together. The first step is understanding what will impact your credit score after marriage. This guide breaks it down so you know exactly what\u2019s to come and how to handle it. <\/p>\n\n\n\n

What happens to your credit when you get married?<\/h2>\n\n\n\n

When you get married, nothing automatically happens to your credit score. Remember, a credit score is a reflection of one individual\u2019s creditworthiness, so getting married doesn\u2019t inherently have an impact on it. Let\u2019s look at what does happen to your credit after marriage.<\/p>\n\n\n\n

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You and your spouse retain your credit<\/h3>\n\n\n\n

Even after the marriage certificate is signed, both spouses retain their own credit scores. Neither score will change automatically, nor will a spouse\u2019s good or bad credit immediately affect the other\u2019s score. <\/p>\n\n\n\n

You and your spouse can share credit<\/h3>\n\n\n\n

If you decide to cosign a mortgage or car lease, you\u2019ll share the effects of that loan. Any activity\u2014good or bad\u2014made on this shared credit account will affect both spouses\u2019 credit scores. <\/p>\n\n\n\n

You and your spouse\u2019s credit may be limited<\/h3>\n\n\n\n

A lower credit score could negatively impact a couple\u2019s approvals for mortgages, loans and shared interest rates. Lenders performing credit inquiries are more likely to draw up terms and agreements based on a couple\u2019s lowest credit score<\/a>, which could also limit available credit<\/a> on shared credit accounts.<\/p>\n\n\n\n

Marriage and credit scores: 5 common myths<\/h2>\n\n\n\n

The myths surrounding marriage and credit scores can cause unnecessary anxiety heading into a wedding day. Understanding the common myths around marriage and credit scores can help you prepare for what\u2019s to come\u2014and let you ignore the things that don\u2019t really matter. <\/p>\n\n\n\n