Hi, I live with my spouse in his home that he purchased before marriage, I am on a visitor’s visa from Canada and am waiting for residency status. I have to travel back and forth to maintain my visitor’s status, and as such I do not work, and we do not have any joint assets, credit cards, bank accounts etc. The house went into foreclosure after our marriage, and my husband is now considering filing for bankruptcy for other debts he had incurred prior to our marriage. How will this affect my credit?
As long as you kept your account separate, it should not affect your credit. However, if you live in a community property state, everything that was accrued during the marriage is community property.
For a list of community property states see the link below,
Hope this helps.