There is a common misconception that when two people marry their credit histories become one the minute the two tie the knot. This is only partially true. When two people marry, each retains his or her individual credit history up to that point. As the couple incurs debt in both names, such as a mortgage, car loan, or credit card, the payment history for these credit accounts gets reported to both party's credit histories and affects each individual's credit score. However, credit accounts held in one or the other spouse's name do not appear on the other's credit report.

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