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Good Credit Bad Credit

Gareth83
Gareth83 Posts: 971 Forumite
in Credit cards
Just moved into my new house, have always had excellent credit, never defaulted on a thing.

My girlfriend has poor credit and outstanding debts etc. etc.

Will living with her affect my credit?

Surely not?

Comments

  • Moggles_2
    Moggles_2 Posts: 6,097 Forumite
    No, credit ratings assess people, not dwellings.

    If you share a financial product (eg. joint bank a/c) with someone else, then you are financially linked to them and their affairs could have an effect on your credit rating, but simply occupying the same home as someone with a poor credit history, has no effect whatsoever ;)
    People who don't know their rights, don't actually have those rights.
  • Kavanne
    Kavanne Posts: 5,093 Forumite
    it will only affect you if you have a financial association. So don't do anything like a bank account or mortgage in joint names. If you do not become financially associated, then her history will not affect you :)
    Kavanne
    Nuns! Nuns! Reverse!
    'I do my job, do you do yours?'
  • debtdestroyer007
    debtdestroyer007 Posts: 402 Forumite
    get her to sign up to MSE forum for tips on how to improve her credit rating!!
  • thriftymomma
    thriftymomma Posts: 1,107 Forumite
    Don't even apply for things together as just the application is classed as a financial association.
    Got Halifax Classic to reduce my interest rate by 5% woohoo - 10/06/08 Thanks MSE!
    Another 3% shaved off 10/12/08
    ANOTHER 4 % June 09:beer:
  • oswaloman
    oswaloman Posts: 10 Forumite
    As far as you don't share financial relation with her there will be not much affect
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE Forum Team
  • Gareth83
    Gareth83 Posts: 971 Forumite
    what about home insurance which is paid upfront? I added her on the policy but never gave out her date of birth, prev. address etc.?
  • Gareth83
    Gareth83 Posts: 971 Forumite
    any info helpful?
  • digitalphase
    digitalphase Posts: 2,087 Forumite
    Gareth83 wrote: »
    what about home insurance which is paid upfront? I added her on the policy but never gave out her date of birth, prev. address etc.?

    Home insurance, especially not one which is paid in full, is not included in your credit report ;)
  • Gareth83
    Gareth83 Posts: 971 Forumite
    thanks muchly
This discussion has been closed.
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