 TITLE: Will Changing Your Name Impact Your Credit? CONTENT: Does Getting Married Affect Credit?\n-----------------------------------\nThe act of getting married has no effect on your credit. Even after marriage, your credit report remains separate from your spouse's—they don't get merged into one \"couple's\" credit report. Your credit report is based on your individual financial behavior; it includes any accounts that are in your name only, as well as any you cosigned.\nYour spouse's financial habits will affect your credit, however, if you open credit accounts or take out loans together. For example, if you take out a car loan or mortgage in both of your names, or get joint credit cards, those loans and credit cards will be included in each of your credit reports. As long as you both manage them responsibly, joint accounts can help the spouse with poorer credit increase their credit score. END