Q Does marrying someone who went through a foreclosure affect your credit? If so, in what ways?

NANCY

A You can rest easy when it comes to your credit report and credit score. It's a myth -- an urban legend, perhaps? -- that getting married to someone who has a lousy credit history and poor credit score will ruin your financial profile.

However, you are making a life together, and over time there could be an impact. For example, many married couples ultimately choose to buy a home together. Your partner's poor credit history could affect the mortgage rate that a mortgage lender will offer you if you purchase the property jointly.

Once you open a joint checking or savings account you'll start building a credit history together.

The big issue going forward is building that credit history together, and establishing good financial habits.

Most couples are in similar circumstances to yours.

They go into marriage with someone who has a very different financial background and experiences -- some on the good side of the ledger and some on the more disappointing side.

And because money is an important part of building a life together, the two of you should work together.

Ruth Hayden, a financial planner, educator and author of "For Richer Not Poorer: The Money Book for Couples," has long recommended short, weekly money meetings at a regular time.

When you start talking about sensitive financial issues, it can lead to a discussion of other issues that may bring you closer together.

Chris Farrell is economics editor for American Public Media's "Marketplace Money." Send questions to cfarrell@mpr.org, or to kaching@ startribune.com. Put "Your Money" in the subject line.