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credit rating

2 years ago - Posted by

my son lives in my home & owes money to various people including HMRC for Nat Ins. ..I have heard that if he is subject to CCJs my home address will be badly credit rated & blighted ..He as no legal ownership of the house & rarely pays any rent.can you give me the current legal situation on this .Thank you

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1 Answer

TAD Member

2 years ago

Houses do not have credit scores or credit ratings, people have credit history records. The details of your son’s debts and any judgments that he may have are not going to be visible on another person’s credit reference agency file. If you do not have, and have not had, any joint financial accounts with your son then his credit rating is not going to affect yours. If he owes money to various organisations then there is always a risk that collections or enforcement agents will visit the house that he lives in, your house. This would be to establish whether they can recover payment or to seize his goods, they do not have the right to take your items as you do not liable for the debt. If he contacts a free debt adviser they should be able to identify the options he has available to deal with these debts.

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.

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