I was looking over my wife's credit report and saw a medical bill that was mine (it happened since we have been married). I figured since it was in my name it should only be on my credit report, but then I wondered if it made a difference and how do credit companies blend to two different reports to make one for both of us when deciding on credit.How do companies merge credit ratings of married people?
They dont.
If a debt of yours is on her report, she needs to file a dispute, and have it removed. The only exception would be if the health insurance is in her name.How do companies merge credit ratings of married people?
They don't.
Your credit is yours and your wife's is hers there is no merging of credit.
The only time both reports come into play is when you apply for joint credit and then if one of you has worse credit then the other you may get a higher interest rate.
The affect on your credit will be determined by how the account is paid. If it's paid well you both win, if it's paid bad, you both lose.
The only thing I can think of is are you insured under your wife's insurance?
If not I would dispute this with the credit bureaus and have it removed from your wife's credit.
They don't, you will still maintain your separate credit ratings.
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