Joint mortgage credit report

[Humpty Dumpty]

Hi,

Is anyone aware how a joint mortgage is documented on your credit report? Does ot refer to both parties or is it just yourself

Thanks

 

[Brendan Burgess]

It appears on your credit report. If there are arrears, then they are noted.

But you can get your credit report online very easily so why not just do it and then you will see for yourself how it is reported.

 

[ClubMan]

Apply for your credit report and other rights

Information for borrowers about the Central Credit Register

www.centralcreditregister.ie

 

[ClubMan]

 

[Humpty Dumpty]

Thanks for the replies.

Perhaps I was not clear in my questions.

What I'm curious about (mortgage not drawn down yet) is the following:

On my individual credit report will it be apparent that the mortgage is a joint mortgage that two people are paying?

Thanks

 

[ClubMan]

On my individual credit report will it be apparent that the mortgage is a joint mortgage that two people are paying?

Didn't you read my previous post?

 

[Humpty Dumpty]

Ah I missed that part.

Thanks

 

[Dr Strangelove]

It's important to check your credit record from the CCR well before you start applying for a mortgage or another loan.

I have a joint mortgage with my wife since 2013 and I was the only one listed on the CCR. It seems it was down to poor customer information on the part of the lender. She'd been a customer before I had and it seems they didn't have her PPSN which was used for linking customer information.