Just living with someone, or being married to them, will not affect your credit rating but as soon as you open a joint bank account together you will be 'co-scored'. You lose some privacy. If you use the account for personal expenses, the other account holders can see the transactions.
So, do joint bank accounts get frozen when someone dies?
The bank will not freeze the funds in a joint account because they belong to both account holders equally. Because the funds in a joint account pass to the surviving account holder, they do not form part of the estate of the deceased person.
Can you withdraw money from a joint bank account?
A joint account allows equal control of a bank account by two or more people such as business partners. Withdrawals can be handled the same way as with a non-joint account. Any of the account owners can withdraw, transfer or deposit funds. Fill out a withdrawal slip, which you can find at the bank.