If your name is present on any account it will be reported to the credit bureau under your credit report.  The kind of association that you hold with an account is usually described in the reporting such as individual, joint or authorised user.  Typically the kind of relationship that you have an account does not  Full Article…

We apply for a mortgage to renew the joint account the lender will probably consider the credit history of both you and your spouse.  This means that while one of few could have a good credit history any negative information on the other sponsors credit history could impact your chances of getting approved for a  Full Article…

This may sound like an extremely strange thing to say.  But it is known to happen.  People can sometimes put a security freeze on their credit report and then forget about it only to remember it went a critical purchase for a wedding has to be made. It is quite possible in cases of substantial  Full Article…

For a couple that has not accessed a copy of the credit report any time in the past this question can very well arise.  Before going to make a purchase of your first car or any other substantial asset it is advisable for both the husband and wife to get a copy of their credit  Full Article…

Identifying information in a credit report such as name, address has no impact whatsoever on your credit scores.  In case you have been married once or more than once and a credit bureau will have a record of your name or the changes in it thereof as reported it to it by your creditors.  So  Full Article…

Will marriage result in the two credit histories being blended? Will the negative history of the spouse impact the other’s credit score? Marriage has no effect on the individual credit histories of the couple. Marriage does not blend the two credit histories together and certainly does not impact the individual credit scores as well. This  Full Article…