Partners Credit Score

RayUK

My partner does know about the debt now. And I should have told her a long time ago of course.... It was very positive to open up to her.
And we are considering closing the joint account to separate our finances.
I will send off the suggested letter so I have a little time to sort things out. And I am aware that my credit score will crumble... Thank you all for the advice... it is immensely helpful and comforting

[Deleted User]

RayUK wrote: »

My partner does know about the debt now. And I should have told her a long time ago of course.... It was very positive to open up to her.
And we are considering closing the joint account to separate our finances.
I will send off the suggested letter so I have a little time to sort things out. And I am aware that my credit score will crumble... Thank you all for the advice... it is immensely helpful and comforting

Not your score, your history.

Your score may well drop, but no one sees that but you.

Lenders will only see your history and the way your accounts were managed, not the made up score

RayUK

Sorry, yes, credit file not score.... thanks for the clarification

DCFC79

The sooner you do something about it the better it will be for you and your partner. Leave it any longer and it gets worse.