Just wait 'til you get divorced.
I had excellent credit.....then I got divorced. One month before my youngest child turned 18, the ex took me to court to have child support increased. I thought I was home free. She got the child support increased and made retroactive for five years. They then said I was in arrears and it went on my credit report, in effect calling me a deadbeat dad.
AIEEEEEEEEEEEEEEEEEEEEE......I paid up, but it took me 8 years to get that freaking thing off my credit report.
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NEVER, EVER trust your ex wife to not screw with you.
Fortunatly that will never happen...</fingers crossed>