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Moving in and bad credit
anna_1977
Posts: 862 Forumite
Hi
I have a number of defaults registered from early 2016 and am on a TPP with Stepchange.
My boyfriend is in the process of moving in with me. I have been totally transparent about my debts and he is going to help me pay them off by paying me rent - an agreement that suits both of us. This has also meant that I no longer have to sell my house which I'm pleased about.
My question is.... we will not have any joint accounts at all due to my bad credit (his is V good), his post and bank accounts will be registered at our house and he will be on the electoral roll and paying council tax here.
Will any of that effect his credit file? I am very keen to make sure it doesn't and want to do everything possible to ensure my '!!!!-ups' do not jeopardise his credit worthiness
Thanks
I have a number of defaults registered from early 2016 and am on a TPP with Stepchange.
My boyfriend is in the process of moving in with me. I have been totally transparent about my debts and he is going to help me pay them off by paying me rent - an agreement that suits both of us. This has also meant that I no longer have to sell my house which I'm pleased about.
My question is.... we will not have any joint accounts at all due to my bad credit (his is V good), his post and bank accounts will be registered at our house and he will be on the electoral roll and paying council tax here.
Will any of that effect his credit file? I am very keen to make sure it doesn't and want to do everything possible to ensure my '!!!!-ups' do not jeopardise his credit worthiness
Thanks
0
Comments
-
Hi,
Bad debt is registered against a name, not an address.
His credit will be unaffected by yours.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Thank you sourcrates - that is what I thought but was concerned about the council tax or electoral roll linking us somehow.
Time to crack on paying off those debts now0
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