Gretchen K asked:


Let’s say two people are getting married. They both have good credit, hurray! The wife keeps her maiden name. They have separate checking accounts, credit cards, and have utilities, etc. in separate names. They currently do not own a home together.

From here on out, are their credit histories totally tied? If someone runs a credit check on her, does it also bring up his credit report? Or are the two credit reports meshed into one?

And what happens if one of them starts to run up credit card debt? If the husband does this in his name with his own card, will his debt also affect the wife’s personal credit rating?

ASHLEY