Is it important to check credit scores before marriage?

People like to take care of their credit score. Even when they do not understand fully how it works, they know it plays a crucial role in assuring a good and stable financial future. This special caution takes people to take into account on every decision where personal finance is involved. Mortgage loans, obtaining a new credit card and even looking for insurance are some of the situations where many people feel insecure about how to proceed without affecting negatively their credit score. There are also other situations where personal finance might be in jeopardy, but there are so many taboos and myths surrounding them that people very rarely talk about it publicly. Such is the case of marriage. Couples who are planning to get married feel afraid when asking for their future spouse credit score and history. In this article we will discuss the taboos and myths where credit score and marriage merge in order to determine if it’s important to check credit scores to see if you are marrying someone with bad credit.

First, let us clear out the myths. Many people think that getting married implicates a series of financial responsibilities between the newlyweds. In fact, marrying rarely implicates legal financial jointures between two people. Credit scores are not merged together nor averaged, no credit score is lowered upon marriage and, even marrying someone with bad credit will not affect the other spouse’s credit score. Even when newlyweds decide to join their credits, past personal credit histories and score remain unchanged and unaffected.

On a superficial level, marrying might seem like a safe option. And legally it is. But there are other factors that are involved in marriage besides the legal contracts, and this is where some financial inconveniences might arise. In many cases, bad personal credit scores and histories implicate a failure to keep up with payments or to manage loans and credits. And just as marrying someone does not affect personal credits; it also does not help it to recover. Even if the spouse has excellent credit reports, marriage does not solve the previous financial difficulties. And, eventually, a person with the inability to manage their own credit can affect the newly created joint credit or bring financial issues to its couple.

Of course, all this may sound insignificant, but the credit system is still complex and hard to understand completely. This is why many people have dedicated their life to help others better their credit scores and gain access to all the benefits to which they lead. Such is the case of Art Gulle, author of the celebrated book “Act Like a Homeowner, Think Like an Investor” as well as “5 Ways To Buy The Right Foreclosure With The Wrong Credit.” Art Gulle experienced many financial challenges with a bad credit history for years. Living through up and downs, and facing the many challenges that come with managing credit, Gulle learned many insights of managing personal credit, and has used this knowledge to help many individuals over the past several years. His latest project is “The Credit Journey” online credit repair course, where you can learn about how to develop a credit conscious lifestyle by understanding and using the many strategies that credit experts use to never start or repeat the credit repair cycle again. You can start a financially stress free lifestyle by  visiting www.TheCreditJourney.com