 TITLE: Does Getting Married Combine Your Credit Reports? CONTENT: Married Couples Have Separate Credit Reports\n--------------------------------------------\nEveryone has their own credit report, even after marriage. Each individual's credit history contains only the information that is reported in their name, including payment history for accounts for which they've cosigned.\nWhen you change your last name, you must update your information with the Social Security Administration, on your government ID and passport, and with each of your financial account holders. When your lenders report your accounts in your new name, Experian will match it to your existing history and update their information. But taking your spouse's name does not mean your credit histories will be combined. The only time an account will appear on both of your credit reports is if you open a joint account or cosign a loan together. END