You Can Keep Your Finances Separate
When you get married, your credit remains your own. Provided that you do not have your name put on any of her credit cards or previous loans, you will be able to maintain a high credit score throughout your marriage. The key is to keep your finances separate until she is able to pay back her credit card debt. If you have concerns about inheriting her debt in the case of death or divorce, consult a lawyer about a prenuptial agreement that will keep you from becoming liable.
Financial Problems Affect Other Aspects
According to a 2010 article published in the Wall Street Journal, debt is the leading cause of marital conflict during the first several years of marriage. While you may be able to work around her past debt, many people with bad spending habits bring these same habits into marriage. Buying a home or taking out other loans that require both of you to sign may force you into higher interest rates than a couple without debt would have.
Bottom Line
The decision to marry in spite of credit card debt is one that should not be taken lightly. However, if handled right, her financial situation need not prevent you from having a long, happy marriage.
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