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Will our son’s credit record affect our credit rating?

 

Dear James,

 

My son has given my address for his post but has never lived at our current address. Will his credit record now affect mine and my husband’s?

            

 

Rae, Blackpool

 

Dear Rae,

It is very unlikely. Credit checks are not simply linked by address or by surname any more. These days it’s all about joint financial activity. Any financial information recorded in your son’s name at your address could only be visible to your lenders had you or your husband applied for credit jointly with your son in the past, or acted as guarantor for him. Assuming this is not the case, you have no need to worry. If you aren’t sure, I suggest you and your husband each order your credit report. You’ll find a section called ‘financial associations’ or something similar which will include details of any financial ties to other people. If your son’s name does not appear here then this is no link and your credit ratings will not be affected by his credit history.

James Sign

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