If you have a partner with a bad credit rating, will it affect yours?
Find out how your credit rating could be affected by your partner's - and when it won't be
If you signed up to a mortgage or loan with your partner, husband or wife, their credit file will be linked to yours. And that means that their own credit rating will affect yours. So, if they have a history of not paying their debts on time, it could affect the rate of interest you're charged, how much you can borrow and even, if you're offered credit in the first place.
If there's a mistake on your credit report, how can you correct it?
Your credit file tells a prospective lender where you have lived in the past, whether or not you’re on the electoral roll (which verifies who you are) and how well you’ve managed credit and loans. The problem is that mistakes can occur and while the errors themselves may seem relatively minor, the effect on your ability to borrow may be dramatic. That’s why it’s vital that you get any errors corrected – and fast.
Understanding your credit score; why your credit score matters and how to improve your credit score
What is a good credit score? How do lenders work out your credit score and what do they look at
Your credit history is a record of how you’ve managed debts in the past, but your credit score isn’t so easy to pin down. When working out your credit score, a credit company or lender will take a range of factors into account. This means that different lenders can come up with a different credit score number for the same person.