Q
Quest?
Guest
If a spouse has some arrears on a credit card - now being paid off - will it affect the credit rating of the other spouse with a clear record. My spouse missed a few mbna visa payments although we are now catching up with them, I want to apply for a personal loan (in my sole name) however I have heard that adverse credit can affect everyone living at the same address if they have a financial connection. The only "joint" account we have is our current account which is fine. We do not have the same surname if that makes a difference.