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Joint loan declined can I apply for single?
mastermick70
Posts: 5 Forumite
in Loans
I applied for a joint loan with my partner both of us have good credit history or so I thought but then we were declined a joint loan.
I applied for a statutory credit report for both of us and my partner failed to remember about some missed payments she had and some money she owed on an account however my report came back perfectly fine with no issues, can I re-apply for the loan or another loan just as single application or will the joint app go against me it just shows as an app on my file
I applied for a statutory credit report for both of us and my partner failed to remember about some missed payments she had and some money she owed on an account however my report came back perfectly fine with no issues, can I re-apply for the loan or another loan just as single application or will the joint app go against me it just shows as an app on my file
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Don't do it tghis board is full of people borrowing for friends/partners with bad credit. The fact that they conveniently forgot about it shuld set the alarm bells ringing.0
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The joint loan was for me and my partner I want the loan its not for anyone else, just want to know if i might be able to get it!0
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does you credit report shpow a financial association with your partner
how much do you want to borrow
how much do you earn
how much are existing debtsEU tariff on agricultual product 12.2%
some dairy products 42.1% cloths 11.4%
EU Clinical Trials Directive stops medical advances0 -
Yep, if you're financially associated with your partner through an account or mortgage your rating will be dragged down by her "forgotten" issues.
The joint application will also have created an association (I think)"We want the finest wines available to humanity, we want them here, and we want them now!"0 -
yes there is a financial assosiation, is there a way of removing this as we are seperating so the joint loan was not a good idea afterall,0
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If you have no open joint accounts (bank account, overdraft, loans etc) then you can file a notice of disassociation with each of the 3 credit reference agencies.A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0
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Understatement of the century.mastermick70 wrote: »we are seperating so the joint loan was not a good idea afterall,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 ForumTeam0
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