Will my girlfriends bad rating harm mine if she registers to vote at my house?

Ruderalis

My girlfriend is moving in with me. My rating is excellent but hers is terrible. If she registers to vote at my house will it affect my credit rating?
I would like to help her improve her score - are there any ways I can do it that won't harm me?
Thanks for any help you can offer.

The_Boss

You don't have an excellent credit rating nor her a terrible rating as credit ratings do not exist.

Similarly she can't improve her "score" as she doesn't have a score because they don't exist either.

There will be no effect on your credit worthiness from her being on the electoral roll at your house - is she actually moving in or is this just some form of strategy? Does she have any credit cards, mobile phone contracts or loans? Any missed payments on her credit file? Defaults or CCJs.

The way to improve is not to go above 50% of available credit on credit cards and ensure at least minimum payments are always met by the due date (or full payment in the case of a loan or mobile contract. If she has defaults or CCJs it is better to satisfy or part satisfy them than leave them and she shouldn't apply for lots of financial products in quick succession - no more than 3 in a 6 month period but ideally over a year.

Bosie

Ruderalis wrote: »

My girlfriend is moving in with me. My rating is excellent but hers is terrible. If she registers to vote at my house will it affect my credit rating?
I would like to help her improve her score - are there any ways I can do it that won't harm me?
Thanks for any help you can offer.

Do you have any joint bank accounts? That can be a problem, I know from experience. After divorcing my husband my credit was fine,but he had defaults, so when I applied for a bank account it was declined.
So I had to do a notice of disassociation with the credit reference agencies.

After that I got the bank account, I won't have any joint bank accounts or loans these days.