Every consumer in the United States of America has his own credit report. The credit report uses very saddened by such as name and address and social security number to make sure that every information connected to the individual is reported to the credit bureau. Getting married is not going to have an effect on your credit report. Your spouse’s credit history is not going to affect yours and not is the information present on your spouse’s credit file going to find its way on your credit file. However if you open any accounts that jointly after marriage can both these accounts will be reported on the credit file of both husband and wife. This is regardless to who uses the account and who pays the bill. Similarly if the spouse adds another as an authorized user on an account on this account will be reported on the credit file of both the people. The same holds true when one spouse co-signed for a credit application for the other.