We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Does getting married increase credit rating?
Options

marvin
Posts: 2,186 Forumite



I have noticed a considerable uplift in decent offers since I got married is this a coincidence?
Not that I am advocating people get married to increase their score just it has occurred to me as the only thing that has changed in my life
Not that I am advocating people get married to increase their score just it has occurred to me as the only thing that has changed in my life

I started with nothing and I am proud to say I still have most of it left.
0
Comments
-
Some lenders may look more favourably on married couples but it doesn't affect your credit files unless you're financially linked to your spouse (through a joint account). This would have been the case if you had a joint account but were unmarried too, though.What will your verse be?
R.I.P Robin Williams.0 -
I have noticed a considerable uplift in decent offers since I got married is this a coincidence?
Not that I am advocating people get married to increase their score just it has occurred to me as the only thing that has changed in my life
Good that you're not advocating it to increase a 'credit score' since there is no such thing as a fixed credit score and different lenders will score marital status differently, with some possibly not caring. Some lenders/financial products prefer applicants who are married or live with a partner as it suggests greater stability. But different lenders will score it in different ways.0 -
I have noticed a considerable uplift in decent offers since I got married is this a coincidence?
Not that I am advocating people get married to increase their score just it has occurred to me as the only thing that has changed in my life
Depends who you marry. My wife noticed her credit rating go downhill fast when she married me0 -
Getting married doesn't cause a financial connection. A joint application would do this but marriage is irrelevant.0
-
thebaroness wrote: »Getting married doesn't cause a financial connection. A joint application would do this but marriage is irrelevant.
Doesn't matter; many lenders ask for your marital status on applications and may look favourably on married people.What will your verse be?
R.I.P Robin Williams.0 -
I have noticed a considerable uplift in decent offers since I got married is this a coincidence?
Not that I am advocating people get married to increase their score just it has occurred to me as the only thing that has changed in my life
As for the actual credit rating, well you know by now that each lender has its own credit score and they may take opposing views.
Mortgage lenders penalise single (ie sole) borrowers on income multipliers - basically they offer the same multiplier, but with a single income, it is much harder to get a first property. On credit score I have no idea - but I would suspect that a FTB single borrower would be well regarded over a FTB married couple within the respective borrowing limits, because single buyers tend not to have relationship breakups which cause property issues.You might as well ask the Wizard of Oz to give you a big number as pay a Credit Referencing Agency for a so-called 'credit-score'0 -
Doesn't matter; many lenders ask for your marital status on applications and may look favourably on married people.
Sorry, I was responding to Roota who implied that his wife's credit rating suffered due to getting married. Only a financial link to someone with poor credit would do this, not getting married.
I agree with you that lenders treat marriage favourably as it represents stability along with things like long time at current address, home ownership (obviously doesn't apply to FTB), long time with current employer.0 -
-
MoneySaverLog wrote: »If it's on a lenders application form, then it's scored by them (Either positive or negative). Otherwise if it was neutral they would have no need to ask for it.
Considering the number of firms who routinely ask for a DoB where such information is wholly irrelevant, it is usually for data capture purposes and nothing more. I always randomise m DoB wherever possible.0 -
DoB is relevant as legally you have to be 18 to apply for credit. Also they may well look on how long you plan to pay back over taking into account your current age and how long you may choose to remain employed / survive the term of the loan.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.8K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards