Financial Disassociation - some help please

loujam75

Hi

This is my first post, so please be kind.

I am thinking of applying for a loan for a newer car, so I want to get the best rate possible. However, I think I need to financially disassociate myself from my girlfirend first.

We do live together at the same address, and did have a joint loan, which came to an end last month. We don't share any bank accounts, or mortgage (that's in my sole name) and don't have other shared loans. I have had a look at the form on experian's website but it asks for an explaination for not ticking the "not living at the same address" box (which we do!).

What can I say, that won't get refused. We do not depend on each other, and have our own incomes. It's just that she has some missed payments froma while ago, which I think will bu**er up my application. She also agrees with me, and wants the link broken.

Any help would be great

Thanks

crawley_girl

Can't you just say that you guys are not linked financially ie no joint credit/ loans/ mortgage in both of your names. How about that you support yourselves and not each other.

Personally, I think you have covered all angles in your first post.

Good luck and I hope it all works out for you.

:heartpuls CG :heartpuls

jonesMUFCforever

If you make a sole application in your own name then a lender will decide on your credit scoring rather than your girlfriend's.