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Why do the credit reporting agencies have separate reports for husband and wife?

April 26, 2017agencies credit husband reports separate wife

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Why do the credit reporting agencies have separate reports for husband and wife?

2 Answers

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A. The credit reporting agencies collect information based on individual social security numbers. Only by checking both the wife’s and husband’s credit reports can we ensure accuracy.

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The credit reporting agencies collect information based on individual social security numbers. So each person will have their own file and both the husband and wife’s credit files will generally be checked if any credit is requested for or extended.