asked 3 years ago
1 Answers
answered 3 years ago

Your personal credit rating is about you and the way you have managed your financial agreements, if you do not have any financial associations with anyone else then it will only have your details showing. If you have previously had joint account or credit facilities then it may show details of the other person who was jointly liable for that agreement. If there are no links to your partner on your credit file then your personal credit rating should not be affected. However if you make a joint application in future then it may impact on the application being successful. There is a lot of useful information about credit reports on Money Advice Service website here: https://www.moneyadviceservice.org.uk/en/articles/how-to-check-your-credit-report

This question was answered by Debt Advice Foundation, an independent UK debt advice charity. If you need further help, Debt Advice Foundation provides a free, confidential helpline and can advise you. Click here to find out more.