Should I Remove Spouse's Name Before Default?

Is she a cosignor/joint holder or just authorized? If they are cosignor/joint, you will not be able to remove them.

She's just authorized user.

I added her name to my cards when we got married. She never had any credit before marriage since we met in South Korea. Long story short, she got a 700+ credit score just for marrying me. She didn't think anything of it at the time.

Thanks for your reply.

Authorized can be removed.

And if I remove my wife's name before I default on my cards my wife's credit rating won't be damaged?

Does it take a month or two to show the removal of the credit cards on her credit report?

It can take up to 45-60 days depending on the reporting cycle. If for some reason they do not remove her before the accounts are reported as derogatory, a simple "Not Mine - AU only" dispute will take care of it.

Additionally I have my name on some of her cards. If I default on my cards will it affect her cards if she is the primary card holder?

Basically do I need to have her call her cards to take my name off so it doesn't affect her credit if I default?

If you are an AU then if she defaults, it may hit your reports as well. Follow the advice above.

she won't default. That is not my consern. I'm just trying to protect my wife's good credit from my potential future default.

If me being an authorized user on her account will affect her credit if I default on my cards then I want to remove my name from her cards so I don't hurt her credit.

I want at least one of us to have good credit in the event I default.

Definately. With Universal Defaults being the CC companies way to screw you, any derogatory mark that shows on here reports regardless if they are AU accounts could get her interest rates jacked.