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My Excellent Credit Rating reduced by Partner's poor rating

I hope someone can be of assistance,

I have and always have had an excellent credit rating, however having bought a home and got a joint bank account with my partner just prior to the down turn, we were unable to continue payments on her loans.

She now has 2 loans on which she has defaulted and has a Poor credit rating. We are currently attempting to rectify this now.

I know that as we are connected, any credit I attempt to obtain (despite still having an excellent rating) will be affected by her bad rating (as proven by recently being rejeceted for my first credit card). What I am wondering is by how much is rating affected.

Are the ratings combined eg Excellent + poor = good, or are we as connected persons both seen as poor.

Any help/advice would be appreciated.


  • jonesMUFCforever
    Both seen as poor IMO - you already have proof of this with your credit card application decline.
  • JohalaReewi
    JohalaReewi Posts: 2,614 Forumite
    Have been there. What you will find is the person with the poor rating will be able to get deals (the linked good rating will give it a boost) but the good rating is dragged way down. You will find some lenders who will just check you out and not put much weight on financial associate links.
  • Curt.
    Curt. Posts: 364 Forumite
    Given you have joint account(s) together you can't even disassociate with one another. (Unless you close all that off first).
  • The_Boss
    The_Boss Posts: 5,850 Forumite
    First Anniversary First Post Combo Breaker
    Hi - you said declined for your first credit card - if you didn't have a credit card before, maybe you were seen as too much of a risk combined with your partner's unfortunate situation?
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