How does your spouse’s credit score affect yours?

I don’t really know too much about this.

When you’re married, how does your spouse’s credit score affect your own? I heard that they do affect one another, but what types of factors count towards your spouse’s credit score? My husband and myself just checked our credit scores, and mine is about 50pts better than his is. We have only been married for 2 years, and only have 3 lines of credit that we have opened in both of our names — everything else was opened before we were married and therefore is only in just my name or just his name.

I was wondering how, if at all, our credit scores and reports affected one another. If it matters, we do keep all of our bank accounts joint and share all our finances, although I know that bank information is not provided on your credit report.


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