Partner moving in but has bad credit

[Gobacktothe90s]

How do I protect my credit score if my partner moves in and has a bad credit score?
I have a reasonably good one which I don't want to be affected.

His credit score does not affect your credit score, unless you have joint credit.

Don't have both names on anything financial.

I would be wary of having his name on any of the house things like utilities/rent etc either although I don't know so long as you pay if you are ok but I wouldn't take the risk until he clears his credit history.

Addresses won’t link you. The whole black listed address thing is an urban myth these days.

Don’t share any financial accounts or products at all; and you’ll remain unassociated, so his bad credit won’t impact on your credit file.

Are you sure you want to live with him? He has bad credit because he's made a lot of bad financial decisions. Why do you think things will be different now?

We have applied for a joint mortgage but got turned down. He did say he had bad credit but will we now be linked even though the bank turned us down and we don't live together? (We applied to move in together)

I doubt it.

What caused his bad debt?

@SendMeHome

Addresses won’t link you. The whole black listed address thing is an urban myth these days.

Don’t share any financial accounts or products at all; and you’ll remain unassociated, so his bad credit won’t impact on your credit file.

What a stupid thing to say. You've no idea how or why people end up with credit, it doesn't make him a bad person

I didn’t say it made him a bad person, @BabyBee93 did you mean to quote someone else?

@Gobacktothe90s Yeah I’d imagine you may well get linked if you’ve applied for a mortgage together. You’ll be able to apply to disassociate yourselves if you’ve got no other links or shared debts, I don’t know how long that’s taking right now though.

@Gobacktothe90s this is a good resource if you are looking to improve your credit score - www.moneysavingexpert.com/loans/credit-rating-credit-score/

Experian will allow you to check your credit for free online, you might need to set up an account and then cancel later (I haven't used it for a while).

The mortgage refusal will probably have knocked your score a bit, the best thing to do is have a look at the tips on MoneySavingExpert to build it back up and keep checking it via Experian.

@HollowTalk I have bad credit, does that mean I can’t ever have a loving, long term relationship . I make good financial decisions now, have lots of savings and no debt but my credit record takes a while to improve. Fair enough if someone was flashing the cash but defaulting here there and everywhere but I’m sure the OP knows what kind of person he is and loves him which is why she wants to move in with him