In a recent survey, some 70 percent of the women polled say that their ideal partner in marriage must be financially savvy. Oh, and they would like him to have a good sense of humor, an attractive winning smile, and the ability to manage money. Of course, the guys who are deemed penny pinchers might still have a bit of charm, but let's be frank about this: any woman deciding to tie the knot with a man who is not on time with his credit card, tax return, or other payments should recognize that her own financial standing could be damaged. By the way, Lloyds of London has a special tip for you women: men are twice as likely as you to spend now and "try" to save later.

So, with this in mind, whenever a lender starts sizing you up for a loan, credit card, or a mortgage, that lender will access all relevant information using your address and surname. This means that if you have taken your husband’s name, his data will show up on your file. Therefore, it follows rather simply that if he has black marks on his credit file, you may be turned down for a loan, or be obligated to pay higher interest rates.

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