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can't understand why we're refused credit
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missk_ensington wrote: »This is a big problem when people have lodgers or in house shares because another persons poor credit will cast a dark shadow over the address for everyone.
This is NOT correct. You will not be associated with another person at the same address with a different surname. The rules about credit file association were changed many years ago and are now much more strict and targeted.
I have shared houses and flats with friends and girlfriends for years and never been financially associated.
Regards
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