Moderators: TalbotWoods, JaneClack
as yo dont have any joint accoutn or joint financial ties then your credit history will not affect your husbands.
This is because of a cahnge in the law that came into effect in Nov 2004, where credit files are against an INDIVIDUAL not a household.
The only time they can become linked is when there is a joint formal financail matter, such as a joint bank account, joint mortgage, etc.
Hope that helps a bit
Tim
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My advice is guidance only, if you want the law then consult a lawyer!
(c) All Spelling mistakes are my own design, infringement of them may result me sulking!
The first thing you need to do is order your credit reference files from the 3 agencies. That will show you what potential lenders will see and you can also get any discrepencies amended.
Have you defaulted on any accounts or been subject to any CCJ's?
Thanks
Daniel
** DISCHARGED 16.07.07 **
If a bank or other lender declines your application to open an acoount, you can ask which agency they used and they must give you the agency's name and address. If on the other hand you've already got a Capital One credit card and a Littlewoods catalogue, it may just be that some lenders pick and choose more than others - and I'm afraid there isn't much you can do about that.
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