Quick Question re Joint Applications

Bella_M_2

Hi,
I have a poor credit rating and my husband has a good rating. We are thinking about applying for a joint mortgage (I have no outstanding debts & pay everything on time now but score will be low for a few years to come).
I know that if we were approved we would be financially linked & my score would affect my husbands but what about the application itself - will the application alone financially link us?

Thanks

B x

National_Debtline

Hello there.

I believe it does.

More info via Equifax:

http://www.experian.co.uk/consumer/faq/AR3.html

Best wishes,

David @ NDL.

Thrugelmir

What was the extent of your adverse credit history?

Late payments, DMP?

Gordon_Hose

The application alone won't link you both, but the associated credit check will.

During our mortgage application we were credit checked and, after a few days, my OH's name appeared under financial links on my credit report.

Do you have defaults/late payments on your file?