Getting Married.. need some advice

posted 24th Jun
Ok, so me and my boyfriend want to get married when his mom comes up from Colombia, and that's July 6th-10th...
Buuut everyone tells me not to take his last name because it'll fucked up my credit. But I looked for information on this and it said that it doesn't effect anything.
*his got bad credit now because he filed backrubtcy*

I really want to get married really bad, but I don't want to if it's going to mess my credit up.

*I'm gong to the court house tomorrow and ask the judge if it does... I just wanted to know if anyone of y'all knew*
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I have 1 child & 1 angel baby & live in Jesup, Georgia
posted 24th Jun
I know that if anything were to happen and he were to pass away you inherit(sp?) his debt. Dont know about the credit though.
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I'm due November 7th (a girl) & live in Salt Lake City, Utah
posted 24th Jun
I dont see why it would, I mean, my husband's credit and mine are independent from each other's. As far as I know, it only affects you when you're trying to buy something TOGETHER as in -for example- a house or a car, and they get to checking his credit. I'd call a credit service bureau and verify just in case.
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I have 1 child & live in Texas
posted 24th Jun
it only messes up your credit if you try to get something together. My hubby has horrable credit and it does not affect mine at all.... Now that we are trying to buy a house he has bad credit, I have good credit but no income so it looks bad.. how weird is that?we are MARRIED!!! shesh! we all know his income is all mine  
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I have 3 kids & 1 angel baby & live in California
posted 24th Jun
Quoting MarinesSweetheart:“ I dont see why it would, I mean, my husband's credit and mine are independent from each other's. As far ... [snip!] ... -for example- a house or a car, and they get to checking his credit. I'd call a credit service bureau and verify just in case.”

Really? I heard that you inherit your spouse's bad credit because you are legally considered one entity. I hope you're right. My credit is exellent...My spouse's...not so much.
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I have 1 child & live in Portland, Oregon
posted 24th Jun
thanks y'all thats what I read on here..
I'm still going to call the judge or someone and see if its true.. just to be 100% sure! 
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I have 1 child & 1 angel baby & live in Jesup, Georgia
posted 24th Jun
Quoting Dashonda:“ thanks y'all thats what I read on here.. I'm still going to call the judge or someone and see if its true.. just to be 100% sure! 




Just found this!
http://credit.about.com/od/toughcreditissues/qt/creditmarriage.htm
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I have 1 child & live in Portland, Oregon
posted 24th Jun
http://credit.about.com/od/toughcreditissues/qt/creditmarriage.htm

Married or thinking about getting married? You’re probably wondering if and how getting married will affect your credit score. Will your spouse’s credit will affect yours or vice versa? In marriage, much of your life is combined; does that include your credit?
What Happens To Your Credit When You Marry
In most cases, nothing will happen to your credit after you exchange your “I dos.” You and your spouse will each continue to have separate credit reports containing your credit history. Your spouse’s credit history won’t appear on your credit report. Neither will your information appear on your spouse’s credit report. So, if your spouse a negative credit history, no one will ever know by looking at your credit report.
If the wife chooses to change her name, the new name will be reflected on her credit report. The theory that a wife changing her name erases her past credit history is not true. Since her credit report information is directly tied to her social security number, her credit report will continue to contain history under her maiden name and her married name.
Your credit score won’t drop simply because you marry someone with a bad credit history. Neither will your score improve on basis of your spouse’s good credit score. Each spouses’ credit score will continue to be calculated based on the information in his or her own credit report.
When Does Your Spouse's Credit Affect Yours
If you and your spouse apply jointly for a credit card or loan, both your credit scores will be checked to approve the application. If one or both of you have bad credit, there’s a chance your application won’t be approved. Or, if the application’s approved, the interest rate and fees might be higher than if the spouse with the higher credit score applied separately.
With joint accounts, the history of the account is reported on both spouses’ credit reports, even if only one spouse actually uses the account. Both spouses’ are responsible for making credit card and loan payments. Furthermore, if the account becomes delinquent, the creditor or lender will attempt to collect from both spouses.
When One Spouse Has Bad Credit
When you and your spouse have different credit scores, you have to decide how you want to handle credit-based applications. Will the spouse with better credit make all the applications to get better rates? Will you apply jointly and accept higher interest rates to improve the other spouse’s credit score? These decisions depend on your financial situation and priorities.
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I have 1 child & live in California
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