How does marrieage affect your credit?

Tying the knot this Valentine’s Day? Once you’re married, you each retain your individual credit scores; there’s no such thing as a joint credit score for a couple. However, when you apply for credit and state a joint income, lenders look at both your credit scores when making lending and rate decisions. Any joint accounts, for example on credit cards, will affect both of your scores. So whether your partner is irresponsible with credit—or very responsible—it will end up affecting your credit, too.