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Joint Savings Account - One Half With Credit History

  • 11-08-2016 11:53am
    #1
    glen25
    Registered Users, Registered Users 2 Posts: 219 ✭✭


    Myself and my finacee are considering setting up a joint savings account for our wedding. He just just been released from a mortgage that was a long drawn out process. There were arrears on the previous mortgage due to refinancing etc but all is in order now. However, we know from a previous application for car finance that his credit rating has taken a hit as a result. He is slowly building this back up with regular savings etc.

    My question is this: would my credit rating be affected as a result of a joint account where one party has a poor credit rating? I dont envisage any future issues as we're very financially secure now but would this account be flagged on a credit check if I needed a loan or car finance in the near future?


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