New Delhi, March 3 -- You must understand how marriage affects your credit score so you are aware, in control and are always the head of your money life. Therefore, to put it simply, your marriage does not have any impact on your credit score because your marriage status is not kept by credit bureaus such as CRIF High Mark, CIBIL, Equifax, or Experian. Still, your shared money issues that you face with your spouse can break or make your credit health.

Both of you will maintain individual credit histories even after marriage. Couples do not share a joint credit report. Your spouse's credit history will not be included on your credit report unless you both have joint financial responsibilities. For example: If you apply for a personal loan...