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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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If I have a bad credit score, will it affect my fiancé's score if we get married?

Answer:

Credit scores are calculated on a specific individual’s credit history. By getting married, you will not affect your fiancé’s score.

However, if you and your fiancé open a joint credit card or obtain a joint auto loan or mortgage, or if you are an authorized user on your fiancé’s credit account, that could affect your fiancé’s credit score.

But the bottom line is that any account your fiancé opens solely in his or her name will not be affected by your credit status.

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