Credit score and joint account

robot-rocker

I am quite new to the big money landing world so pardon me if I say something completely idiotic.

I have a joint account with my wife, and I have read that this could influence my credit score. Now my wife doesn't have a bad credit history, in fact she doesn't have any credit history. Never had a credit card (in the UK), never borrowed money, never even had a phone contract. Is this going to influence my personal credit score, if so would removing her from the joint account help?

Thanks.

[Deleted User]

You don't have a credit score, but you do have credit history.

Joint financial products will means lenders may take your wife's history into account. However, a thin file is unlikely to be of concern, unlike a poor history.