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The best strategy
The best strategy is to work on any credit issues in a relationship early on. This may be an odd thing to do in a serious relationship but it pays to be prepared. At some point you might say, “let's just stay in tonight and look at our credit reports.” If you don't know where to get them, you can obtain them from the three credit bureaus – Experian, Equifax, and TransUnion – or on the site www.annualcreditreport.com. This site offers the advantage of being able to get your credit reports one at a time or simultaneously. Many people choose to get them individually at four-month intervals as this gives them a sort of "poor man's" way to monitor their credit year-round.
Get your credit scores, too
The two of you should also get your credit scores – either from one of the three credit bureaus or an independent source such as CreditKarma.com. The following video explains about credit scores and what you need to do to have a good one.