Dear Eva,
I’m getting married in a few months, and I’m confused about what happens to our credit after we’re married. If we keep separate credit cards, then everything else would stay separate, too, right? But what if we want to buy a car or a house? My fiance doesn’t have the best credit, but I have great credit. Would I have to sign the loan myself to get a good rate? Kim
Hi Kim,
Congrats on your upcoming wedding. What an exciting time for you!
And congrats also on looking ahead. The fact that you are already planning ahead and considering how your fiance’s credit could impact the two of you is a good sign that you have the kind of proactive attitude needed to build a solid financial future.
Youre absolutely right that, as long as you keep separate credit cards, your credit histories and credit reports will stay separate. In theory, your spouse’s credit might improve if you were to add him as an authorized user on one of your credit cards. This is a practice called piggybacking. If someone