Credit Rating

[milly143]

Going on from drewvis' question below, I live with my Dad who was declared bankrupt (which has now passed). Would his financial status have any baring on decisions about me borrowing?

[bloodycheap]

No, it shouldn't. You should be credit scored on your own merit. Some companies use different scoring systems so what may be acceptable to one company is perhaps not with another.

[themas]

If you have had any financial connection such as a joint account it could affect you - otherwise it shouldn't. Get your files from the 3 agencies - Experian, Call Credit, Equifax - and see if there is any link. If necessary you can ask them to register a dissociation to make it clear your finances are separate.