Moving in with my partner and my debt

ScottLatkowski

I am just about to move in with my partner to her house.

What I wanted to know before we commit to any address confirmations, is would we be linked financially, in turn causing my partners credit to be affected?

1. I have bad credit, which is being repaired, all be it slowly. My partner has perfect credit.
2. I have my own mortgaged property which I have just moved out of and rent out to a friend. I will be moving in with my partner to her sole mortgaged property.

My questions would be:

Will we be linked financially:

1. If I am listed on the Council Tax
2. Move my bank accounts to this address
3. Move my companies house information to this address
4. Move my self assessment to this address
5. Driving License to this address
6. Business bank accounts to this address

We do not plan on applying for any credit or bank accounts jointly

Any information on this situation would be fantastic.

Thanks in advance

sourcrates

Hi,

In short no, you are only financially linked if you share a financial product in both your names.

Your credit won’t effect her, and hers won’t affect yours.

National_Debtline

Hi ScottLatkowski

Sourcrates has really summed it up there, if there’s nothing in joint names you will not have a financial connection with your partner. Credit files are also based on people, not addresses, and there is no such thing as a blacklist. Good luck with the move.

Susie
@natdebtline