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"I've had to take out a credit card, overdraft and a credit account to be able to pay for things this winter," she told the BBC.

Older parents should have a credit account in their own name, and women may need to be especially mindful on this point.

But if you plan to combine or open credit accounts together, regardless of marital status, your partner’s behavior on those accounts can shift your scores.

Most major banks and credit unions offer text or email alerts for big-ticket purchases or when someone tries to open a new bank or credit account in your name.

Your credit score determines whether or not you get approved for a loan or a credit account, and it also helps to determine your interest rate.