Hey everyone,
DH is in a bit of a muddle moneywise and has had to ask a couple of creditors for a payment plan. He also has some missed payments over the last year. I am not angry over this - I understand what has happened and I am glad he is sorting it. his credit file is awful and it will take a few years to sort this out.
We have a joint account and a mortgage so it's inevitable that we are financially associated and that his credit profile may impact me if I ever apply for credit elsewhere.
it's not a major worry as I have no plans to apply for any loans etc, however I am wondering if it may be an issue if I try and upgrade my mobile phone to a new handset etc. Do all lenders credit check financial associates?
Does anyone else have a partner/dh that you are financially associated who has a poor credit profile and if so, has it impacted you?
thanks in advance :)