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The name you choose won't affect the credit rating. What causes a spouse's credit rating to be lowered is the "linking" with the other spouse's credit, which can be done regardless of the name.
The only way to prevent the reduction in credit rating is to not be linked to him. Usually you can void that by just not listing each other as spouses on anything to do with credit.
I've never seen the credit agencies look for marriage licenses, etc. they get all of their information from the places which grant credit.
So as long as I don't buy a car, house or get a credit card with his name on it, I'm still okay? Anything else that might link our names together financially such as health insurance?
I'm not sure if health insurance companies report to the agencies. I know some don't but some may. you also have to make sure that he doesn't report you on anything he does as well.
You could also consider a pre-nuptial agreement that agrees no joint debt, etc.
If it gets reported you may be able to make them remove it.
Such as? Life insurance?
How long does a prenup take to set up?
A lawyer can usually do one for you in less than a week.
I'm not sure about the insurance, I think it depends on the company as opposed to the type.
ok. Any other suggestions? What about my current name on financial matters? My car? My house?
The name isn't really an issue on your current things. You can change it or not, just don't let them enter info on him being your spouse.
Alright. Thank you.
If you decide to get a pre-nup just explain to the lawyer what your concern is so they can draft it to address that. Don't use one of the internet forms since those are really designed for a different purpose.
Anything else I can assist with?
No. Thank you.
Best wishes to you! I'll exit so I can assist others.
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