How Will my Bad Credit Affect my Spouse?

Credit is not a romantic topic! You certainly didn't discuss it on the first date with your future spouse.  And creditworthiness probably didn't come up before the proposal. You certainly weren't thinking about your FICO score on your wedding day! 

But you might learn a little about your one and only's credit history the day you show up at the bank seeking loan approval for your first home . . .and your application gets denied.

A credit score is a very personal thing.  While you might share everything else once you're married, you will keep your own separate credit history.  This doesn't, however, mean that your spouse's credit score won't affect you. 

On the contrary, whenever you apply for joint credit, lenders will consider both spouses' credit scores when deciding whether or not to approve a loan or line of credit - whether it's for a credit card, a new car, or the house of your dreams.

Financial Troubles are the Main Cause of Divorce

Bad credit may not make or break a marriage, but it certainly could mean the difference between having a comfortable lifestyle with all the "extras" you want, and just scraping by because you're constantly denied credit.

Dealing with bad credit is definitely not the best way to start a marriage.  In fact, money troubles are one of the key reasons for divorce. Taking steps to improve one spouse's weak credit record can be an important step towards preventing these money troubles - which could possibly lead to future marital distress.  Fortunately, there's a legal way to remove negative items from your credit report (or your spouse's) and make sure that as a married couple you have the joint credit you deserve.

The skilled attorneys at Lexington Law specialize in repairing credit, and to date have removed over two million questionable listings from their clients' credit reports. They know all the ins and outs of credit repair law and work within a legal framework of regulations to fix your credit.

If you want a fair shake and a stable place to start when it comes to both your credit and your marriage, it's important to address credit issues now that could potentially hold you back in the future.

The sooner you contact experts who can help you repair your credit, the sooner you'll have peace of mind knowing that you're doing something to fix your credit. The Lexington Law Legal Team can help you or your spouse with all your credit repair needs and let you focus on your marriage, not a three-digit number.

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Email us if you have questions. We want you in your dream home too!

Ben_Casey@creditforcouples.com