Separate Credit Records

Meanymoo

frivolous_fay wrote: »

I'm surprised people are saying sharing addresses doesn't affect your credit record.

A few years back I got my Experian file, and had to remove associations with my father, brother and sister. I could tell who they banked with, who they'd made late payments to, and what catalogues they bought from. I'd be surprised if none of that was taken into consideration - if it wasn't, why would it appear on MY record?

I'm really surprised at the range of different experiences people have had with their credit records. My credit record shows NOTHING about anyone I've ever lived with, and I'm only financially linked with my DH as we share a bank account now. Maybe it differs from one credit company to another .