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Joint Account effect on Credit?
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ViktorOnopko
Posts: 115 Forumite
Hi all,
Interested in views... Does a joint account have any impact on a persons credit score? For example, if my OH needed to improve her credit score would she benefit from a joint account which we paid all bills from? Or is the CS more based on your own personal accounts?
Interested in views... Does a joint account have any impact on a persons credit score? For example, if my OH needed to improve her credit score would she benefit from a joint account which we paid all bills from? Or is the CS more based on your own personal accounts?
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Comments
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There is no way to improve or otherwise impact a credit score as it is a randomly generated number designed to get you to sign up to a CRA's subscription service.
In terms of how favourably your are viewed by potential lenders, having a link with someone with a better credit history is unlikely to improve your situation. However, having a link to someone with a worse credit history is likely to have a negative impact.0 -
Understood, thanks Mem.0
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