Do my spouse and I have one credit report?

• Tweet

January 19th, 2009 - Posted by Joe

The following post in our Reader Question series is an actual user submitted question. To maintain the integrity of the original question, we do not edit or change reader questions in any way.

Q:  What if some of the cards/loans, etc. are listed in my name and some in my husband's name. Do we have to set up "two" separate accounts to receive the credit information or can we receive information on both of us in the same report? Thanks!

A: Yes, you and your husband will each need to request your own credit reports with each of the three credit bureaus (Equifax, Experian and TransUnion) in order to get a full picture of your current credit health.  Accounts such as credit cards and loans that are in your name will show up on your credit reports and the accounts in your husband's name will show up on his report.

The easiest way to access your credit reports is to sign up for a free trial of a credit report monitoring service.  Our top rated credit report monitoring service, Identity Guard, will give you all three credit reports and all three credit scores for free just by signing up for a thirty day trial of the service.  Identity Guard will also monitor all three of your credit reports and will alert you if any changes post to any of your credit files.  If you decide that you don't want to keep the service, you can cancel within 30 days of signing up and the free credit reports and credit scores that you received are yours to keep.

You can learn more by visiting our comparison and reviews of credit report monitoring services.