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antr
Starting Member
2 Posts |
 Posted - 03 February 2009 : 13:50:46
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| I am on the verge of declaring bankruptcy after careful consideration of all options. I share a house with 2 flatmates and wonder if their credit rating might be affected as a result of them sharing an address with me? |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 03 February 2009 : 14:05:19
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Hey Ant
Your flatmates credit rating should not be affected, unless you have any financial links (i.e. joint account, joint mortgage etc) you could always (If you really would feel better) file a notice of disassociation with each of the reference agencies from your flatmates, however i very much doubt it will be needed.
Good luck and keep posting
Jenny
xx
Onwards and Upwards is the way im going :-0)
From "Moneyworries" to "Movin On" in 3 months is fantastic :-))
xx |
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Melanie.n
forum expert
United Kingdom
1282 Posts |
Posted - 03 February 2009 : 15:26:11
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Credit file information is only recorded against an individual not an address. Even a partner/spouse debt situation is not linked nor divulged on a credit search (even if you want to find out! I wanted to discover my ex's situation when we split and was unable to retrieve anything on him, nor did his debt situation, which was horrendous affect my credit file, as thankfully we had no joint debts) Your flatmates are safe from your debt history
Hope this helps
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
01446 711780 |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 03 February 2009 : 16:18:50
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I live with my partner and my debts and subsequent BR haven't affected his credit rating. Since I went BR he has taken out a new mortgage, had his credit limits increased and taken out a new credit card.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
20 IPA payments made, 16 to go - on the home straight! |
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I am on the verge of declaring bankruptcy
