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I have a CCJ and I think this is stopping my housemates getting credit, how do I change this |
Submitted on: 30th Dec 2010 by Non-Member | Total Answers: 3
I do not own my house, we all rent it together. I have a CCJ and one of my housemates had an excellent credit rating before he moved in. He tried to get something on finance and this was rejected, whereas before he had no trouble doing such things, and I am fairly sure this is to do with my CCJ. How do I stop my very poor credit rating ruining his?We have all of our names on the household bills, which is the only thing I can think of that would financially associate us, aside from taking names off bills, what else could I do to make sure we aren't financially associated and therefore leaving his credit rating unaffected?
Re: I have a CCJ and I think this is stopping my housemates ...
Each individual has their own credit rating and their actions alone affect their credit score. Living in the same house does not link you financially and your CCJ will not affect your housemates credit rating.
Your housemate can obtain a copy of his credit rating to see what the potential problem is from
Experian – Tel: 0870 241 6212, Web: www.experian.co.uk
Equifax – Tel: 0870 514 3700, Web www.equifax.co.uk
This question was answered by Debt Advice Foundation, an independent UK debt advice charity. If you have a debt problem, we can help you find the best solution for your situation. Debt Advice Foundation provides a free, confidential helpline and can advise you of all your options. Click here to find out more.
Re: I have a CCJ and I think this is stopping my housemates ...
By having joint bills you have created a financial link between you which is causing the problem. You need to stop this link if you can to prevent further problems.
Re: I have a CCJ and I think this is stopping my housemates ...
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