Getting engaged is a wonderful time in anyone’s life; the excitement of planning a wedding and the anticipation of spending your life with someone that you love. But when the honeymoon is over and the excitement of wedding festivities begin to dwindle, many newly married couples find that they don’t know as much about each other as they had originally thought. In fact, the most commonly revealed after-wedding secret is the fact that one or both of the people in a relationship has been carrying significant debt; something that they may now reveal as the couple prepares to combine finances.

This can have devastating effects on a newly married couple. First and foremost, there is the fact that there was a secret between you and a pretty serious secret at that. And secondly, there is the fact that one person’s credit report is bound to have an impact on their spouse especially as they go about their lives together and begin to combine their income.

It is always important that all financial discussions are had prior to a wedding; a discussion during which each of you can reveal your own personal relationship with money – how you feel about carrying debt, your feelings about saving money, and so forth.

This is the time when compromises and decisions must be made; consider this discussion to be as important as anything else in terms of making your marriage work in the long term. After all, money issues are one of the top reasons why marriages eventually end; by talking about your financial expectations up front you can ensure that all issues are out on the table before your marriage.

Finally, it makes sense for each person to get a free credit report in order to check their credit standing before the marriage actually takes place. Free credit reports will allow a soon-to-be-married couple the opportunity to know where they each stand before they combine their lives and their finances.

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