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My Credit Score v current mortgage...

maxter71
maxter71 Posts: 3 Newbie
in Credit file & ratings
Hi all - brand new to this and would appreciate your advice...

I have a rubbish credit rating but my husbands rating is beyond excellent. We have a joint mortage but our current provider and in fact new providers will not offer us any deals - fixed, capped etc due to my credit rating. We have never missed a payment etc etc... is there anything we can do? It seems very unfair.

Thanks
Mandy

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,383 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    See a broker who can advise you on your options.
  • thebritishbloke
    thebritishbloke Posts: 1,472 Forumite
    Deleted_User wrote: »
    See a broker who can advise you on your options.

    This.

    You'll be financially linked for the mortgage, if yours is rubbish in the sense that you have defaults etc, then don't be surprised if companies don't want to lend to you, regardless of your husbands credit history.
    Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.

    ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.
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