Experian / mortgage

wacky75

Happy new year people !

My wife and I have a joint mortgage but on our experian credit reports, it is not shown on my wife's as being on the mortgage, only mine.

Does anybody know how this can be changed to reflect as showing on her credit score too, as it's a little low and could do with improving, as we have to re-mortgage this year ?

Many thanks

MattMattMattUK

wacky75 said:

Happy new year people !

My wife and I have a joint mortgage but on our experian credit reports, it is not shown on my wife's as being on the mortgage, only mine.

Does anybody know how this can be changed to reflect as showing on her credit score too, as it's a little low and could do with improving, as we have to re-mortgage this year ?

Many thanks

Your credit score/rating is an entirely meaningless number, ignore it. 

There is not really a way to get the lender to report it to the CRAs if they are not, but it does not matter, all the relevant information will also be in your application and the lender will be able to see your wife is on the mortgage. They key things that they will be missed payments (or worse) and other debts (credit cards, loans, finance, overdrafts etc.) and being on the electoral roll.

wacky75

MattMattMattUK said:

wacky75 said:

Happy new year people !

My wife and I have a joint mortgage but on our experian credit reports, it is not shown on my wife's as being on the mortgage, only mine.

Does anybody know how this can be changed to reflect as showing on her credit score too, as it's a little low and could do with improving, as we have to re-mortgage this year ?

Many thanks

Your credit score/rating is an entirely meaningless number, ignore it. 

There is not really a way to get the lender to report it to the CRAs if they are not, but it does not matter, all the relevant information will also be in your application and the lender will be able to see your wife is on the mortgage. They key things that they will be missed payments (or worse) and other debts (credit cards, loans, finance, overdrafts etc.) and being on the electoral roll.

thanks - great info to know

grumbler

MattMattMattUK said:

wacky75 said:

Happy new year people !

My wife and I have a joint mortgage but on our experian credit reports, it is not shown on my wife's as being on the mortgage, only mine.

Does anybody know how this can be changed to reflect as showing on her credit score too, as it's a little low and could do with improving, as we have to re-mortgage this year ?

Many thanks

Your credit score/rating is an entirely meaningless number, ignore it. 

The score is meaningless, but the credit history isn't.

There is not really a way to get the lender to report it to the CRAs 

IMO, it's worth asking anyway. For joint applications both credit histories do matter and a well managed joint account will do no harm, especially if there are very few sole accounts. Credit files do show associations, but AFAIK don't show if any specific account is joint.