Hey, baby, how's your credit?

'Dearly beloved, we are gathered here . . . to exchange credit scores.' OK, you might not want to go that far, but sharing financial data before marriage can help a relationship. If money and relationships are an uncomfortable mix, then credit and romance are downright strange bedfellows.

"You may say you know everything about a person, but you probably don't know anything about his credit record," says Adam Levin, the founder of Credit.com.

A recent TV commercial features a forlorn young husband forced to live with his in-laws because he was clueless about his bride's abysmal credit; it's aiming to spur young lovers to share credit scores. Of course, the commercial's sponsor, the web site Freecreditreport.com, hopes to rev up its credit information sales, too. Romantic partners are a big untapped market. Despite its name, that site enrolls people in a credit monitoring service costing $14.95 a month.

The only Web site where consumers can obtain free credit reports is AnnualReports.com, a site set up by the federal government. "We have found that people often aren't interested in reviewing their credit report until there is a life event which makes them aware of how important it is," says Heather McLaughlin, a spokeswoman for Experian Americas, the parent of Freecreditreport.com.

"The commercial about the couple living in the basement addresses one of those life events where knowing each others credit prior to getting into a financial obligation together would have been helpful." But according to relationship experts, it will take much more than a commercial to get someone to present his partner with a report detailing his sinking debt.

Don't Mention It

In a recent study of 50,000 couples who went through its marriage preparation course, Life Innovations found that "a large percentage of partners don't talk about money or credit issues in any detail at all," says Peter Larson, a clinical psychologist and the vice president of the Minneapolis firm. They may prefer to remain mum about finances and credit, but these issues could become major irritants to the 50,000 couples, Larson adds.

"Seventy-two percent of the 100,000 individual respondents said they wished their partner would be more careful about spending," Larson says. "And 56% say major debts are a problem."

As long as you don't have an account held jointly in both names, you're not responsible for a romantic partner's debts. And debts that someone brings into a marriage under her own name are not legally the responsibility of the spouse, notes Alton Abramowitz, a vice president of the American Academy of Matrimonial Lawyers.

But even when you're not legally liable for someone else's debts, if you're living together, you'll suffer the irritating calls from creditors coming into your home, Levin says.

Look For Clues

Not only is credit an unpopular topic of conversation, it's only human nature to keep a bad record to yourself. "It's hard to bring up because of the shame factor," Levin says.

Often, you don't have to actually talk about credit or pull a report to know that your partner is on shaky ground.

Nancy Michaels, the founder of the Web site MatchGoneWrong.com, believes there can be plenty of warning signs:

• Someone has his or her credit card denied on more than one occasion.

• An older adult has a "temporary" living situation that seems inappropriate, such as living with multiple roommates or with parents.

• Someone pays for everything in cash.

• Spending habits are either unusually frugal or exceptionally extravagant, indicating the person has money management issues.

Trust Me?

For most couples, simply talking about credit is all that's needed, not actually pulling each other's scores or credit records, Larson says. He likens pulling a credit report to a prenuptial agreement.

"It implies a lack of trust," he says. "It means you need an underlying confirmation."

Still, just as there can be good reasons for a prenup, there can be reasons why couples need to exchange credit information.

"Many more couples are choosing to keep their finances separate, but the tradition is still to combine finances," Larson says. "If I had any reason to believe my partner had a checkered financial past, I may want to sit down with a financial adviser and look at credit scores before I made the decision to combine finances. For some couples, this is an important move to being able to buy a house or finance a car. They need the credit of the individual most worthy of that type of financing."

Federal law prohibits anyone from seeking credit information about another individual for personal reasons without that person's consent. So you don't have to worry that your significant other is digging up your credit sins behind your back.

But, if it's true love, credit-scarred individuals may have nothing to fear about baring their scores. The Internet dating service True.com conducted a survey earlier this year of about 2,200 online respondents. In response to a question about whether they would stay in a relationship where their partner had substantial credit card debt or had filed for bankruptcy, 87% of men and 80% of women said they would.

This article was reported and written by Marilyn Kennedy Melia for Bankrate.com.