bankruptcy and marriage credit

[late49er]

Hello Everyone,

Does the credit of a spouse who marries someone who just received a bankruptcy discharge face a credit hit?

We live in a community property state and I suspect the answer maybe yes.

Thanks

[SMinGA]

No.

Credit files don't actually merge when people get married. The only impact would be if you had joint accounts, loans, etc. that were included in the bankruptcy. The other party would still be responsible.

Ps-living in a community property state is not relevant since the debts in question were prior to the marriage.

[dumpinmydebt]

SMinGA is right. You don't have a merged credit file because you are married. It doesn't exist. Your files remain separate and whatever your spouse does with their credit does not affect yours as long as you do not have joint accounts.