Evidence of credit / applications - Can it be under the radar?

Hello. Apologies if wrong thread.

Looking for some advice and reassurance RE evidencing of current credit and new applications tied to a specific person.
For background purposes, my husband has very recently admitted a secret gambling addiction and resulting five-figure secret debt. "Luckily" at the point he admitted this, we had just come in to some money which covered the debt and it is now settled. Problem 1 - taken care of. He has handed control of his bank account and his credit file account to me (please don't come at me about this. It is completely with his agreement and to prevent a damaging relapse of spending and return to debt whilst he seeks therapy) so that I can ensure he is not applying for any more credit or spending any money on gambling. 
My question is this - can he still apply for any "secret" credit in any way, that would somehow be under the radar of his credit file? I'm aware there is a delay in things filtering through the credit file, but I'm talking of things that simply would not appear on there? I basically need to know if there is any other way he can bring debt in to my life without me knowing about it, even if I am keeping an eye on his credit file.

I am well aware this is no way to spend a marriage, however at present it is desperate times, and i really hope to be out of the woods with this at some point. I am also aware I can never trust him with our money and our credit rating ever again, and that realistically I will always need to check up on him or it will eat me alive with worry. Prior to this we did not have a joint account or any control of each other's money whatsoever, so this is all very new to us. As a side note, anyone who has any advice on the gambling addiction itself, that advice is warmly welcomed.

Many thanks.


  • [Deleted User]
    [Deleted User] Posts: 35,242
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    edited 2 July 2022 at 12:35PM
    As long as you are viewing all three of his credit files, not just one, you will probably see everything.  

    There will be the odd lender who won't go via the CRAs and, of course, he can get credit from Knuckles Malone down the pub without it appearing on his credit files. But those are outliers.
  • OK, so I'll need to get the other two credit files then. Only got experian through MSE at the mo.

    Lenders who don't go through CRAs, is it safe to assume they are shady lenders?

    Yes, Knuckles Malone will probably be haunting my anxious thoughts for some time unfortunately. 
  • [Deleted User]
    [Deleted User] Posts: 35,242
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    treenytot said:

    Lenders who don't go through CRAs, is it safe to assume they are shady lenders?

    Not necessarily. But they generally won't be mainstream.
  • OK. Thanks a lot for the info. 
  • MalMonroe
    MalMonroe Posts: 5,783
    First Anniversary First Post Name Dropper Photogenic
    Hi, I just wanted to add that gambling is now treated as an illness. It's an addiction and is being taken seriously by the medical profession, just as alcohol and drug addictions are.

    If your husband feels ready to tackle his addiction then there's help out there - for starters there's the info in this link -


    and there's also information there for relatives of gamblers. 

    Academic research into addiction is ongoing and there is some more info here -


    It's good that you are taking charge of the finances but your husband will also need lots of help. Luckily, you seem very willing to help him - I know many people can be critical of gamblers but it is a recognised illness and people need help. It's really great that he felt he could open up to you about it. Many gamblers don't.

    Please note - taken from the Forum Rules and amended for my own personal use (with thanks) : It is up to you to investigate, check, double-check and check yet again before you make any decisions or take any action based on any information you glean from any of my posts. Although I do carry out careful research before posting and never intend to mislead or supply out-of-date or incorrect information, please do not rely 100% on what you are reading. Verify everything in order to protect yourself as you are responsible for any action you consequently take.
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