Getting Married Won’t Lower Your FICO Score if Your Spouse has a bad FICO Score
You are about to get married, and your Fiance’s FICO Score is 200 points lower than yours. Once you wed, your scores will be combined, and your mate’s low score will pull yours down.
If you answered false — you’re right!
Your spouse’s score alone won’t affect yours, and vice-versa. But if you take on a loan or open credit cards together, or if you put your name on any of your spouse’s accounts, you’re both responsible for the debt.
As long as you make payments for any joint accounts on time and don’t load up with too much debt, your credit score should stay high.