Even if you are married, you will have an individual and separate credit score. Credit scores are not combined for married couples. However, your partner’s spending habits and loans can still have an impact on your credit score.
If you have loans or credit cards with both your names, they will be reported to the bureaus for both individuals. This means if your partner does not make their payments on a card that also has your name on it, it can affect you negatively.
The same rules apply to auto loans, mortgages, and bankruptcies.