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Wife bad credit file afect me getting mortgage?

Tizzer40
Tizzer40 Posts: 3 Newbie
in Credit file & ratings
My wife has a very bad credit file many defaults but from years ago.

Will it affect me getting a mortgage? Or do I have to wait until her defaults are 6 years old?

Comments

  • gb12345
    gb12345 Posts: 3,055 Forumite
    Tizzer40 wrote: »
    My wife has a very bad credit file many defaults but from years ago.

    Will it affect me getting a mortgage? Or do I have to wait until her defaults are 6 years old?

    Are you financially linked to her (such as a joint current account or loan)? If not then her details will not appear on your credit search.
  • Tizzer40
    Tizzer40 Posts: 3 Newbie
    gb12345 wrote: »
    Are you financially linked to her (such as a joint current account or loan)? If not then her details will not appear on your credit search.

    We do have a joint account but its not been used for years. Shall I close it then?
  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    10,000 Posts Combo Breaker
    look at your credit files and see what they say
  • happy_bunny_2
    happy_bunny_2 Posts: 4,488 Forumite
    If it shows a financial association, then yes, close it and file a notice of disassociation with all the CRAs which it appears.
    :beer:
This discussion has been closed.
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