Married/want joint account and joint mortgage possible poor credit

lizeratsi

A long time ago as a student I defaulted on OD, I have since paid that off and it doesnt seem to be on my credit record anymore.My DH looked at something and said it looks like my CR has improved...however I do not have credit cards or anything. I have been on electoral role in one spot for a number of years.

I want a joint account with my husband and I want to go on mortgage, but I don't want to ruin his credit rating, so not sure how to go about this! Can I ask his bank to put me on, but ask them not to go through with it - if my rating looks bad to them?

when we first got mortgage i was going to go on it but this debt was still on my record and we were quoted higher interest rates as such, now the mortage has been fixed for a number of years.....can I go on it? any ideas would be gratfully appreciated.

poppasmurf_bewdley

Just one question. Why do you want a joint account?

lizeratsi

Because I want access to whats going on financially and also gets things like car breakdown cover...that I dont get.

~Beanie~

The easiest thing to do would be to actually check your credit file and see what is on there.

Get your reports from all 3 CRA's, Equifax, Experian and Call Credit (use Noddle for free for this one) and take it from there.

It may not be as bad as you think!

lizeratsi

Thanks Beanie,I was hoping someone could tell me though if there is nothing on there, that does not mesn i have agood rating...i thought tohave a good rating you neededa creditcard