Reader Q: Will my new partner’s bad credit rating affect mine?

1 min Read Published: 16 Jul 2014

Reader Question:

My new partner has a poor credit rating and has been refused credit in the past. We are planning on moving in together. Will his credit rating affect mine?

My response:

The good news is that just because you are in a relationship with someone, married or otherwise, does not automatically mean your credit reports are linked.

In fact it is a myth that just because you live at the same address as someone or indeed share a surname with them that their credit rating can affect yours and vice versa.

The only way that your new partner's credit rating will impact your rating and vice versa is if you become financially connected. Ways of becoming financially connected include applying for loans and other forms of credit together or having joint bank accounts, utility bills or a joint mortgage.

So if you ensure that your finances are kept completely separate then your credit reports will remain independent of each others.

I hope that helps

Best Wishes


The material in any email, the Money to the Masses website, associated pages / channels / accounts and any other correspondence are for general information only and do not constitute investment, tax, legal or other form of advice. You should not rely on this information to make (or refrain from making) any decisions. Always obtain independent, professional advice for your own particular situation. See full Terms & Conditions and Privacy Policy.

Image: Danilo Rizzuti /