How will my debts effect my Partners Credit Rating?

Bogart

Hi all

I'm slowly starting to get on top of my debts but it is looking likely that I am going to have to go down the IVA/ bankruptcy route.

At the moment I'm selling my house and will be moving in with my girlfriend once the sale has completed.

What I would like to know is how will an IVA or bankruptcy effect her once we are living together. None of my debts have anything to do with her and they are all solely in my name. Will her credit rating be effected once I am living with her?

TIA

idiot_3

if you are concerned, send a letter of disassociation to the cra's.

this should mean any credit applications she submits and any lending decisions are taken on her creditworthiness alone.

johnny_prescott

i live with my girlfriend & am currently sorting out my debts (all of which are solely mine - my gilfriend has nothing to do with any of my debts) who do i write to so i can ensure her credit rating is not affected as im taking an IVA. any avice would be great.

idiot_3

the Credit Reference Agencies (who lenders turn to to see your past history with credit when comin to a decision as to whether or not to lend money.)

the main ones are equifax and experian.