A federal law bars creditors from discriminating on account of race, color, religion, national origin, sex, marital status or age, or because all or part of a person's income derives from public assistance. Court interpretations of this law have declined to extend coverage to include sexual orientation. If you've lived together for a long period of time, or have had joint credit cards or bank accounts, it's possible that your credit histories have become intertwined, or even erroneously attributed to each other. This is usually not to your advantage, especially if one of you has bad credit. Check your credit rating.
Credit bureaus are companies that specialize in keeping credit histories on almost everyone.
When a bank, department store, landlord or collection agency wants information about a person, they can get it by paying a small fee to a credit bureau. The federal Fair Credit Reporting Act gives you the right to examine your credit file. If the file contains false or outdated information, the credit bureau is required to correct it, or, if it disputes your claim that it's false or outdated, to include your version of the dispute in your file. Help in checking your credit file. Together Many couples make purchases and investments together, such as houses and cars.