Really quick question

sharronej

HI all,
My husband's credit file is linked with mine, if I apply for credit do they also search his credit history?

There are three searches have shown up over the last two years - two relating to joint accounts (obviously) but one is a catalogue in my name only yet when I applied for 0% credit cards they haven't shown on his report. Should I check this out as fraudulent or is it normal practice?

Thanks

rising_from_the_ashes

If you're financially associated then your credit history will affect any applications your husband makes and vice versa.

HTH

rising_from_the_ashes

The searches may not show on his file - but his record would be taken into account.

I'm not sure how rigerous catalogues are in this respect but certainly a "proper" lender for a credit card, loan, mortgage etc would be likely to take both into consideration.

sharronej

Maybe it's just a matter of time before the credit card searches show up on his then or maybe it's on a different search than equifax - thanks x