Marriage and credit rating

newbee007

Hi

My friend is getting married next month. His credit file is really bad, but his fiancee has excellent history and very good score.

We've had a chat about mortgage in future and I told him that joint account can ruin her credit rating because of his bad history. But what is going to happen if they'll keep separate accounts but she'll change surname after getting married? Will credit agencies link them anyway?

bsms1147

Marriage does not link files, only joint credit products do.

The_Boss

newbee007 wrote: »

Hi

My friend is getting married next month. His credit file is really bad, but his fiancee has excellent history and very good score.

We've had a chat about mortgage in future and I told him that joint account can ruin her credit rating because of his bad history. But what is going to happen if they'll keep separate accounts but she'll change surname after getting married? Will credit agencies link them anyway?

His fiancee doesn't have a very good score unless he's talking about snooker or darts as credit scores/ratings do not exist. See the top sticky thread in this forum or my signature for more info.

Can't add anything else to this and the post above.