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Is this my fault?

Sophrosyne
Posts: 63 Forumite
I was declared BR on the 9th of December but my partner has an excellent credit rating. We recently moved house and my partner wanted to get some new sofas, he has never been turned down for credit and yet has just had a call from the finance company to say they will be unable to give him credit (they won't say why on the phone so he has to write to find out). Is this my fault? I feel guilty enough already.

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you say "partner", i assume your not married/same surname.
but he would have had to declare previous addresses, its said BR is personal and not attached to an address but im doubtful
every credit check (and result) is logged on the likes of experian so applying again can be counter productive.Now we all know how it felt to play in the band on the Titanic...0 -
Is there any financial association between the two of you? might be worth checking your credit files?:hello:Save a little money each month and at the end of the year you’ll be surprised at how little you have.An eye for an eye only ends up making the whole world blind0
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it could also be because you have recently moved and do not show up on the electoral register yet. Get a free credit check by going on experian0
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We don't share a surname and have not lived together for very long (since March), he is not listed on my credit file as an associate and I'm not listed on his.He has just received a credit check from Experian which says his rating is very good. How likely is the electoral roll thing to effect his status? We have only been at our new address since the 19th of December.0
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If you're not on the electoral roll then this is quite likely to affect getting credit so definitely worth doing .. go to you local councils web page and there should be links to the form to get this done.:hello:Save a little money each month and at the end of the year you’ll be surprised at how little you have.An eye for an eye only ends up making the whole world blind0
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if he has had previous credit, or has credit cards with a good record approach these first
with cash he can haggle a discount tooNow we all know how it felt to play in the band on the Titanic...0 -
Sophrosyne wrote: »How likely is the electoral roll thing to effect his status? We have only been at our new address since the 19th of December.
If you aren't on the electoral role it's very very unlikely you will get credit as this is one of the main 'you really live where you say you do' checks they have - Our council took ages in the first place to sort out OH being on the role, so just call them up, get the form, send it off and phone to check - or some of them I think you can check online now (I know you can update ours each year online once initially registered, but you can't initially register as you have to sign the form to make it a legal document).
But basically this will be the issue imho if his credit is otherwise great.Do not feed the trolls please.0 -
I have never been on the electoral register and managed to rack up considerable debt on credit cards and loans etc. It may be a combination of the electoral role, not been in your address long enough and maybe they are tightening the criteria.
:j :j
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When I was a student I was told I could register at my 'home' address and my term-time address so I did. I'm not at uni anymore, but still live in a different city from 'home' and have moved from the student address where I registered.
I found out it would affect my credit rating if I kept moving every year and registering on the electoral role at a different address so I didn't register, thinking I could apply for products using my mum's address.
I kept expecting to move, but haven't for the past almost three years so think it's finally time I joined the electoral roll at this address. It's just not feasible for me to apply for bank accounts etc using my mum's address because I'm never there and it's two hours away. I will have to start building a credit history at this address - even if I move soon - just to create a trail and a credit history.
After the lengthy explanation, my question is (!): the registration form asks for the date I moved to this address and for my previous address. Should I put the last student address I lived at in this city, where I was registered last in this city? I have taken out financial products at this address but if I quoted it it would show a gap where I haven't been on the electoral roll in this city for the past (nearly) three years- will I get into trouble for that? Or should I quote my 'home' address where I've been registered all along but not held any bank accounts at that address for the past 7 years? And what should I put as my moving in date? It was three years ago!
When I apply for bank accounts etc, it asks for previous addresses and I always put my last address-which was where I was registered on the electoral role...so if I then join the electoral role at my current address putting my 'home' address as my last address - will that get me in all kinds of trouble?!0
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