I agree totally with Marty. I would not immediately put her onto your accounts as either a joint holder or an AU.
CRs and FICO scores are individual, and marriage per se does not change that. However, once you start changing your accounts to add a joint account holder or an AU, you become responsible either for debt on the account, or for any future derogs incurred. If that additional party is a spouse, then it certainly gives you some degree of control. But is certainly also brings with it some loss of control.
Another poiint to remember is that, while your FICO score is not directly impacted by marriage, if you two should jointly apply for credit in the future, particularly for higher balance loans such as a mortgage, then they will certainly look at both of your CRs, so it is to your advantge to help the new spouse improve credit score ASAP. But putting your score in peril is not the first line of assistance I would recommend.
And I am sure that you dont want to hear my final comment, but I will throw it out for your cognitation. Half of marriages end in divorce. Assets and accounts that you have coming into a marriage are considered personal, and not community, property as of the date of marriage. Most states split community property 50/50 at divorce, but not personal property possesed prior to marriage. So I am sure that any lawyer knowledgeable in divorce law would offer you even greater cautions about blurring that distinction in a new marriage.
