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Getting married changes your financial life in profound ways. And while your credit score remains individual, your future choices could be changed by what your spouse brings into the financial picture. But the decisions that you and your future spouse make about how to handle money will have long-term repercussions for you—not just as individuals, but as a couple, whether you choose to combine your finances completely or keep certain things separate. Your choices will have not only financial implications but also emotional and legal ones. A little preparation now will pay off handsomely later. Both of you should obtain your credit reports and credit scores from all three credit bureaus. If one partner has considerably more assets or earning power than the other, then a prenuptial agreement may be in order. They can also establish responsibility for debts acquired before marriage and prearrange spousal support in case of divorce. So, if either of you has poor creditcome up with a plan for improving it.

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