Credit score linked with husband?

rubyinthesky

The only thing we hold together is a joint mortgage with Santander. All payments up to date.

I entered a DMP on April 1st, owing £30k on unsecured loan and cc's. How will this effect my husband?

a4a

His file will be affected as you are linked by financial association. It depends what you are applying for and also on the attitude of the lender as to how much it will be affected when he applies for credit.

Tixy

If husband applies for credit then potential lenders will also see your credit file.
It may affect whether he will be accepted for credit, or what rate he may be offered if he is accepted.

The_Boss

"Credit score" will not be affected though because it doesn't exist. The account data will create a link though.