When you get married to someone that has horrible credit what happens to your perfect credit?

My future husband has a car repossession (2003), bankruptcy (2003), and home foreclosure (2007). Is my nice score going to get hurt?





What if we don't get loans or apply for credit together? Would that keep our scores separate or am I in trouble no matter what just by getting married?





Please help!When you get married to someone that has horrible credit what happens to your perfect credit?
As long as you do not apply for joint credit your fine.





Your score is just that yours and yours alone, same for him marriage has nothing to do with credit scores.When you get married to someone that has horrible credit what happens to your perfect credit?
Protect yourself by not applying for any joint credit including home ownership.
Listen to Spiffman, as usual he is correct and once again here ahead of me. :-(
I have worked in the mortgage industry for approx 10 years as an underwritter - my experience has shown that getting married will not necessarily change your credit score. However, when you apply for credit, if you are both going to be on the note (paper that says you'll pay back the money) then the company will consider both of your credit scores. At no time can his bad debt become yours; but it can be considered when making a decission on lending. Something to look into is if you live in a community lending state - they have different lending requirements that may consider his debt even if he isn't on the loan.





Good luck to you and congrats on tieing the knot!
A couple does not have a credit score or file. You have yours and he has his. If you apply for a loan on your own, they won't even look at his. In fact, it's illegal to consider your marital status.