Consumer Counseling Credit Debt Management
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Ask the Credit Counselor
By Howard Dvorkin
Q: I am getting married soon. My credit is great, but my husband can't even get a credit card in his own name due to past credit problems. How will his credit affect mine?
A: The good news is that the credit histories of spouses are not merged. In fact, it is possible to keep your credit history completely separate from your future husband's, as long as you don't add each other to your existing accounts or get new credit in both your names.
Keep in mind, though, that if you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, Wisconsin) debts incurred by either spouse during the marriage are considered community property. That means...
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