I was unsure of how to title this thread or if it’s in the correct category, but here goes, hopefully someone can help....

Going back years ago (before I was old enough to have my own phone contract) my dad took one out in his name for me, it was always paid on time etc, the contract ended 3/4 years ago and there was an outstanding balance of £74 odd, which I thought I had paid but seemingly not as my dad received a letter a few weeks ago stating that balance was owed, which he paid as I was on holiday and we have since settled between us. His credit score had been going down over the last year or two and he even had his credit card limit reduced despite never missing a payment and hardly using it! We chalked it down to my brothers horrendous credit score going against the house and the fact he has a CCJ and numerous visits from bailiffs which stupidly my dad has always paid for him!

Anyway, last week he goes for a meeting at the bank to enquire about borrowing some more money against his house/mortgage in order to complete some home improvements... to be told they probably won’t do it as he has a defaulted account of 33 months, suddenly something clicks in his head and he realises this £74 odd is what’s been effecting his credit! Refusal for finance on a £3000 bike, the credit card limit being dropped etc!!!
Again he’s never missed a payment on his mortgage, only has 8 years left because he remortgaged when him and my mum split and he earns plenty, just not enough in order to complete the work his house needs.

Of course I’m now feeling guilty as hell and knowing I can’t lend him the money myself, wondering if anyone knows if it’s possible to have this file that’s impacting his credit score moved over to my credit file seeing as it was my contract and my fault?

Sorry for the long winded explanation, hopefully someone will understand!!!