Marriage can sometimes be good for your credit score. For example, if you and a spouse have an account together that goes into default or is delinquent on payments it will affect both of their scores. However, married couples cannot combine the two reports to get better pricing when applying for loans etcetera so they should always remember this as well before getting hitched!

Joint Accounts

There are some people who believe that joint credit cards and accounts can help both of you keep track of which bills need to be paid. However, if one spouse leaves the relationship with a debt unpaid then this will affect their own personal credit score because they’re still legally responsible for it!

Authorized Users

Authorized users are people that the account holder wants to give permission to make purchases. They can also opt-out of their authorized status at any time, while a primary joint account owner cannot. The biggest difference between an authorized user and a joint account is that only the original customer on the credit card has responsibility for repaying debt; not both parties like in a partnership or marriage where two incomes pay off one loan together as well.

Adding your spouse as an authorized user on your account could result in a boost to his or her credit score.

Your lender may report the activity of not just you, but also any other people with access to that card; this means if they miss payments it can affect their spouse’s scores!


In the event that a couple decides to get divorced, they are faced with many considerations. One such consideration is determining which accounts will be jointly held and which ones will not. When deciding this it can make sense for two people to have joint ownership of their finances because in most cases there’s more chance at getting approved for credit if both incomes show up on an application; however, once again one person may do damage to the other’s credit standing by being irresponsible or maliciously trying ruin them financially post-breakup – making matters even worse than before!

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