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Q:
Will my past financial mistakes impact my girlfriend?

My girlfriend and I have been together for almost two years and have been living together for about a year. We have decided to marry but have not set a date. Recently, our plans to marry have run aground when I told her about my poor credit rating. The debts are paid off now—will my past financial mistakes really impact her that much? -Ben

Ben,

If you marry, your credit history will not be entered on your new spouse's credit bureau file. The only time your poor credit would affect your new spouse is when you have to apply for credit jointly. This generally happens when you apply for a mortgage to buy a house. Both of you could be turned down for credit jointly because of your poor credit background.

Good luck!

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