Credit Report FAQ
Other people on your files
Your credit report may also
show the name of anyone you share a financial connection with. Lenders will see the
financial information in these other names and may use this when making a lending
decision. If you believe that information in another name has caused a lender to refuse
you credit, you may wish to ask the other person to request their credit report but they
do not have to, nor do they have to show you their credit report. If your credit report
shows a financial connection that you believe is not correct, you can contact the credit
reference agency and ask them to remove it.
Can someone else's debts affect your credit score? Credit
reports are produced on people not addresses, and people's credit reports are only linked
when they apply for joint credit facilities or act as guarantors for one another. So
unless you have entered into that sort of financial arrangement, then any debts another
person has won't affect your creditworthiness, whether or not these debts are registered
at your address.
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