Mortgage - credit history!

[SnowBells]

We want to buy a house soon. Problem is - although I have credit cards, DH has none. Reason being he never needed a credit card. He has always been using the Amex charge card of which I am the primary account holder. I am assuming secondary card holders do not get a credit history?

This is really annoying - we never thought that not borrowing money in his name will get us into trouble!

Who has said it's a problem? I only had car payments on my credit file & we got a mortgage.

Does he have any utility bills or the like in his name? That's credit too.

Most smaller building societies don't use credit scoring techniques so would not necessarily be put off by this. Have you thought of using a mortgage broker?

So utility bills are OK? Of course, he is on those. But that's not on the credit report…

We will apply through a mortgage broker, but have just had a panic (friends are panicking over their mortgage applications, etc. which makes me panic - and we haven't even found a house we like yet)...

You think this is bad? It gets much more stressful than this.

Google free credit reports & print them off then cancel the free trials.

Stressful how, Fluffy???

The whole buying process is stressful. Unless you are able to stay completely dispassionate about the house you want.

I don't think it's stressful. It was fine for me and I had a newborn. My other half also did not have much credit but because I had such good credit it wasn't a problem