QUESTIONS AND ANSWERS

Get your FREE Experian credit report and score!*

CreditExpert Logo

  • Free Experian credit report*
  • Free Experian Credit Score*
  • Free email and text alerts
  • Dedicated UK based call centre

Checking your Experian credit report will not lower your score!

If you are a Credit Expert customer you can contact the customer services team with any questions specific to your credit report.

Please log in to your account and go to the contact us page to contact the member support team.

* Monthly fee applies after trial, new customers only. You may cancel your trial anytime during the 30-day trial period without charge. Free trial period starts on registration – further ID verification may be required to access the full service which may take up to 5 days.

Explore our Help Centre

Our credit report centre is full of information on what 's in your credit report and how to improve your credit rating.

Find out how to protect yourself from identity fraud and what to do if you're a victim.

Will spouse’s bad credit ruin my credit rating?

 

Hi James,

 

Can you please advise me?  I am married and my spouse has a bad credit rating. We have recently put both our names on a joint bank account. Will this affect my credit if I ask for a loan in the future? Thanks. 

 

Romana, London

 

Hi Romana,

Contrary to popular belief, getting married does not link up people’s credit reports. But taking out any form of joint credit certainly will. As you’ve signed up for a joint bank account together, any lender checking your credit report will also be able to look at your spouse’s report, and vice versa. What effect this has on your credit applications depends on the contents of both your credit reports and also on the policies of the lenders making the assessment. If your spouse does indeed have a bad credit rating then this could potentially reduce any credit rating a lender calculates for you, although the main focus of this is still likely to be your own credit history. Now if your credit history is excellent then the impact of your partner’s poor history might not actually affect the outcome of your applications. But if your credit history is less impressive then it’s possible that your spouse’s poor track record could turn what might have been a ‘yes’ into a ‘no’.  What I suggest you do is sit down together and go through both of your credit histories. Then you can work together to target improvements that should benefit you both. You could use the Experian Credit Score to help you monitor progress.

James Sign

  • © 2014 Experian. All rights reserved