To check my husbands credit rating?

[itsmonday]

Am I allowed to? We aren't currently speaking but the last 3 letters addressed to him have had cards in them and I'm worried.

He has a history of debt problems, running up CCs with nothing to show for it and I know he is desperate to make a big purchase but I told him we needed to sit down and discuss finances first, he didn't like that and stormed off and now we are fighting about other things. We've practically split but I'm concerned for the joint finances

Am I allowed to check this?

In this position, I would. I mean in a relationship where you’re committed to each other you aren’t meant to have any secrets right?

I’m not married to my Oh but we share everything. I open his post and his mine. Some people think this is crazy but no secrets.

I was in debt when I met him. Not excessive debt but I was struggling to pay it off. He has to make sure I don’t add to it again (next accounts etc)

Thanks that was my thoughts too, I just don't want to get in trouble and the way things are I feel like he'd love an opportunity to pin something like this on me. He's always been cagey with money but I don't control his finances, he never had any money and Iv offered to help him keep it under control but he thinks this is me having a go and being controlling.

You are married and so should know everything about each others finances.
Sounds like you have bigger problems with him and trust.
Check your own too, incase he's getting things in your name.

Just to let you know that it is considered fraud to check another persons file or score without them being the person applying for the information. It is personal financial information and whilst I completely sympathise with your situation - it could lead to more difficulties for you in the long run, especially if you're worried he might pin something against you.

If you are concerned that he may have made joint applications without your knowledge, this will appear on your own credit report, either in the form of open accounts (if he got that far) or searches. Should you find any of these you can then contact the agency and request them to dispute and investigate the accounts as fraudulent.

If you have any open accounts that you are aware of this will have recorded a "financial association" between you and your husband. This means that any applications he makes may lead to a "soft search" of your credit report as you are associated. Soft search means that it is recorded so that you can see it, but won't appear to any other lenders should you choose to apply for credit at any time. So if you notice any recent soft searches that you don't recognise you can also request further information on the company that recorded these.

I speak as a person who has worked within the credit reference agency sector for several years, I can only give basic advice but if you'd like more info please feel free to message me.

Thank you navisprite. I wasn't sure how serious it was but wondered as we were married if I could do like a joint search or something. I done my own recently and it seemed fine. I think he's got a few cards and hopes to put his big purchase on it.... not good!

Thank you navisprite. I wasn't sure how serious it was but wondered as we were married if I could do like a joint search or something. I done my own recently and it seemed fine. I think he's got a few cards and hopes to put his big purchase on it.... not good!