If I filed bankrupcy 2 years ago, will this affect my new spouses credit?

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If I filed bankrupcy 2 years ago, will this affect my new spouses credit?

Asked on May 3, 2012 under Bankruptcy Law, Washington

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 10 years ago | Contributor

The answer is both no and yes.

No, in that your spouse's personal credit score will not be altered by a bankruptcy you filed prior to marriage.

Yes, in that most large purchases or transactions by a married couple, or one member of a married couple, will involve checking both your and your spouse's credit--e.g. both your scores and history will typically be checked if buying real estate, financing a car, renting a home, etc. Therefore, while you spouse's credit score or history is not directly affected by your bankruptcy, your spouse's ability to obtain credit or engage in activities where credit is checked will be influenced by your credit history, and hence by your bankruptcy.


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