 TITLE: Is It Better to File Bankruptcy Before or After Marriage? CONTENT: Does Filing for Bankruptcy Affect Your Spouse's Credit?\n-------------------------------------------------------\nA Chapter 7 bankruptcy will remain on your credit report for 10 years from the filing date, while a Chapter 13 will be there for seven years. When you get married, your bankruptcy will be noted on your credit report, not your spouse's, if you filed for it individually.\nHowever, this doesn't mean your bankruptcy won't affect your spouse in any way. For example, if you decide to take out a mortgage together, your credit may lead to a higher interest rate and less favorable terms.\nIf you filed for bankruptcy jointly with your spouse, both your credit and your spouse's will take a hit. This can make it even more difficult for you two to obtain joint credit. END