Credit Reports - data protection?

sportbeth

I'm soon to put through a mortgage application with my other half. I have warned him that there might be some adverse info on my report (defaults etc) and the whole process is really freaking me out because I don't want my past to be to blame for us not getting the best deal.

If it's a no go my other half is happy to take the whole mortgage in his name which I think might be best becasue a financial association to me might make it difficult for him to get future credit until my report cleans up.

Question is, it sounds pathetic but I am so embarassed about the state of my report, there's nothing criminal or horrific on there, but if my OH gives permission for a financial advisor to search my credit history, can he then come back and discuss specifics with my other half on my data? Or if it fails would he have a duty only to discuss my issues with me?

jonnyb

As far as I know the data protection act means that nobody can disclose personal information they have about you to anyone else. So they will not be able to tell your OH anything.

accountnurse

It's awful having a lurking worry like this-I do sympathise.
Have you actually seen your credit file? It may not be as bad as you think. If you haven't already, apply for it yourself so you know what you're dealing with. Then there is nothing to stop you asking the financial adviser if it looks problematic for a joint mortgage application.
There are other issues to consider if everything is in your OH's name-you really should seek independent legal advice. In the meantime, have a look at the mortgage forum for some cautionary tales about not having your name included, and there's good advice about what to do at the outset to avoid possible problems in the future.
Good luck!