Getting married does not change your credit score or credit file. However, there are other factors to keep in mind.
Your credit score is tied to your Social Security number. Your credit history won't change from marriage or name change.
However, both partners' credit health can impact future efforts to borrow money or share accounts as a couple.
When applying for a loan together, individual credit histories and credit scores for both spouses are considered.
Taking your spouse's surname when you get married will not affect your credit score or credit file.
However, you should notify your existing creditors and the Social Security Administration about the name change.
You do not need to notify credit bureaus. They will update it on your report when they get details from your creditors.
Huge amounts of credit card debt from funding your wedding and honeymoon may lower your credit scores.
It is important to manage your finances responsibly and avoid taking on more debt than you can handle.