If I tie the knot with a woman that has a large 6 figure loan outstanding and bad credit, how will that affect my credit. I have over 850. She would be willing to sign an agreement.

You should talk to a lawyer, cause once married everything is together, and if you want to buy a house it may be harder, I would get free advice from a lawyer first

If I tie the knot with a woman that has a large 6 figure loan outstanding and bad credit, how will that affect my credit. I have over 850. She would be willing to sign an agreement.


Your credit will not be affected by simply marrying her.

The only thing that can be reported on your credit report are accounts that you are the account holder or AU on.

The majority of credit experts will advise to keep your credit separate, even when married. The only thing they suggest having joint is your mortgage and you don't even have to do that. My spouse and I are not on any accounts together except our home. All CC's, personal loans, etc are separate.

I'm not sure where your score came from, but FICO scores(which is what most lenders use) only go up to 850. The range is 300-850.

And I am sorry, if you are really in love and want to be married, how or if she will effect your credit really should not even matter.

Although unless you do joint credit requests it should ot effect it.

Thanks for the advise. Yes I love her but at 52 there are other factors to consider. My score of 850 maybe wrong. I know last time I had it checked they said it was extremely high. I have no debt except about 70 left on a 450k house. Youngest is a senior in college so almost done there. I only make a modest income by choice these days and she as a christian councler makes even less. She doesn't understand that her 180k debt becomes mine as well, even if not on paper. It affects travel, buying second home, and even when we could retire. The best solution I can see is trying to pay an extra 800-900/month and rteduce time of payments to 10 yr vs 19. These are my concerns.

Sorry if I am off topic, about the credit issues, and you are right morally her debts will be yours, but a couple that are truly in love, while it is good to plan for what to do with the debt, set up a budget, a couple really in love would not stop the debt from effecting their marriage or love.

Comments on this post starfirefly (https://www.askmehelpdesk.com/members/starfirefly.html) disagrees: it was a suggestion, regardless its best to get legal advice before committing

First, may I call your attention to the guidelines for using the comments feature found here:

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Prior debts are not legally commingled upon marriage. Your answer was inaccurate. Your rating of farmgirl's answer was inappropriate and spiteful.

To the OP,
I can understand your feeling a moral obligation to help with your spouse's prior debt. But it should not affect your credit rating at all. The only time it would havfe an affect is if you apply jointly for credit.

Sorry if I am off topic, about the credit issues, and you are right morally her debts will be yours, but a couple that are truly in love, while it is good to plan for what to do with the debt, set up a budget, a couple really in love would not stop the debt from effecting thier marriage or love.


Hahahahahahahahahaha

Well in a capitalist society morality and love don't matter. It's all about money. The thing is you can try to make an argument for love but that doesn't matter one single bit when capitalism is involved. Capitalism is all about taking advantage of the workers and giving the advantage to the owning class. Love doesn't mean a thing or morality. It's all a money game.