No , getting married does not mean credit scores are shared , nor debt . Credit scores are solely based on credit extended in your own name . They can not be joined with anyone else and no one else can affect your credit score unless you allow them as a joint owner or an authorized user on one of your accounts . As for debt , whatever you come into the marriage with remains your own debt . Of course , because you are married , any debt that one person has affects the other in terms of ability to save and spend on other things . And if you are on a student loan repayment plan like IBR , getting married can affect that . <| sep |> Oh , no , it felt more like bugasafeature . I was kind of excited when I realized , I bet this bug isn ' t a problem for the majority of customers ! It was fun .