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Original poster

DP credit rating

16 replies

Fuckediffwithmen · 16/09/2022 20:50

House is in my name. Decided we need to move. Found dream home and applied for a mortgage in my name only only to be declined due to his credit rating which I didn't know how bad it was. He is also the father of ds. What can I do? Help please ( yes, kicking him out could well be in the cards having lost the dream house)

OP posts:

pannikin · 18/09/2022 15:24

I'm so sorry, what an awful way to find out.
What is the bad credit rating from? Has he ran up debt behind your back?
Would it be possible for you to buy the house on your own?

pannikin · 18/09/2022 15:25

Also, is he making an effort to fix things?

Original poster

Fuckediffwithmen · 18/09/2022 16:55

I was going for the house on my own but still scuppered by his credit. He is now contacting the credit agencies to get the link removed and he has a week to sort his debts before he is out.

OP posts:

GiltEdges · 18/09/2022 16:57

What’s the financial link between you? Did/do you have joint credit for something? If so, he isn’t going to be able to just magically get the link removed…

pannikin · 18/09/2022 16:58

I don't think you can get a financial link 'removed' especially if you were both on the electoral roll together.

However I don't think it should be affecting your credit rating if none of the debts are in your name, so you should be able to get a mortgage by yourself.

Keepitrealnomists · 18/09/2022 16:59

Financial links are not removed from credit files 🙄

GiltEdges · 19/09/2022 14:14

pannikin · 18/09/2022 16:58

I don't think you can get a financial link 'removed' especially if you were both on the electoral roll together.

However I don't think it should be affecting your credit rating if none of the debts are in your name, so you should be able to get a mortgage by yourself.

A financial association isn’t created by being on the electoral roll at the same property. The OP must have some form of jointly credit with the DP for his bad credit to be affecting her mortgage application.

smooththecat · 19/09/2022 14:18

You can ask the main credit agencies to remove a financial association as long as you are actually not financially linked any more, e.g. divorced, separated, no longer living together. I’ve done it.

smooththecat · 19/09/2022 14:19

You would need to get it removed on your own files.

FitAt50 · 19/09/2022 14:25

Fuckediffwithmen · 18/09/2022 16:55

I was going for the house on my own but still scuppered by his credit. He is now contacting the credit agencies to get the link removed and he has a week to sort his debts before he is out.

You clearly love him very much!!!!!!!

DenholmElliot1 · 19/09/2022 14:28

It only takes 2 years to repair a Bad credit rating from poor to excellent.

Retreat
Repair
Return

Jmaho · 19/09/2022 14:34

If the current house is in your name and the new house is in your name you should be able to get a mortgage. It's only really a problem if you are currently joint and going to sole names as he has bad credit
I'd suggest getting a broker to find you a mortgage.
Unless of course there are any issues with any joint credit accounts that you have. If you are squeaky clean and it fits on your income you will get a mortgage

TravellingSpoon · 19/09/2022 19:26

While I know this is a shock, there must be more to the story than this, noone moves so quickly to LTB if their relationship is strong.

Same1977 · 19/09/2022 19:31

You are breaking up with the father of your child because of his credit rating?
Good luck explaining to your child later on why his father wasn't around as much..
I had a bad credit rating for a while as it takes long to climb back up.I lost my job and missed payments as a result.
Good job my parter didn't dump me

autumn1610 · 19/09/2022 19:47

Just because you live with a partner doesn’t link your credit. My partners was terrible due to some issues years ago. “We” brought a house but it’s in my name but both contributed towards the deposit and mortgage payments. We were just restricted on what we could have based on my salary. Would never consider leaving him because of bad credit from issues years ago. I was however eventually aware so wasn’t a shock when applying. We don’t do any joint bank accounts and keep finances completely separate to ensure we aren’t linked

Bestcatmum · 19/09/2022 19:51

My exH did this racked up debt and bad credit behind my back. If he'd had a run of bad luck I could have understood but it was the constant lies and trying to hide things from me that did for our marriage. I need full on honesty for a relationship to work.

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