ooh, I dunno. I've had a joint account for years
much of which it was in it's overdraft, but it was an arranged overdraft and I've never had any credit issues.

not sure if a sample of 1 is helpful here...
( Naked Ape call me Caitlyn, Fri 25 Jan 2013, 11:02, 1 reply, 12 years ago)

i havent for years, but the shit storm of getting evicted is still on the file

(PsychoChomp, Fri 25 Jan 2013, 11:05, Reply)

Why did you get evicted?

(Bazongaloid, Fri 25 Jan 2013, 11:08, Reply)

landlord spent all my rent and deposit didnt pay mortgage

(PsychoChomp, Fri 25 Jan 2013, 11:11, Reply)

lol

( Naked Ape call me Caitlyn, Fri 25 Jan 2013, 11:12, Reply)

i pmsl

(PsychoChomp, Fri 25 Jan 2013, 11:14, Reply)

how would that affect your credit rating?

(Bonzodog29 is an unemployed sponge of the worst kind, Fri 25 Jan 2013, 11:16, Reply)

All the bills were in my name up until the repossetion, and I had to find a new place and pay a deposit.
And pay the old bills. Which was a cunt.
(PsychoChomp, Fri 25 Jan 2013, 11:19, Reply)

And new bills and letting fees

(PsychoChomp, Fri 25 Jan 2013, 11:21, Reply)

Did you take him to court?
Or would that have been a massive excercise in futility?
( b3th Not shit. Not mod., Fri 25 Jan 2013, 11:25, Reply)

I did, and it was.
I have a CCJ for £2.7k, he won't pay.
(PsychoChomp, Fri 25 Jan 2013, 11:28, Reply)

Can you not use that to get your credit file cleared?
Please reply to this in the next thread.
( tangledupinblue hairy badge with moving eyes, Fri 25 Jan 2013, 11:30, Reply)

At least he can still get credit cards
even with a CCJ.

Surely though, that fact alone will help your credit score?
( b3th Not shit. Not mod., Fri 25 Jan 2013, 11:30, Reply)

Many years ago I discovered that I had a terrible credit rating
All because I had never had any credit.
So I ended up paying in cash.
( tangledupinblue hairy badge with moving eyes, Fri 25 Jan 2013, 11:32, Reply)

running the premises as a business to brew beer

( Naked Ape call me Caitlyn, Fri 25 Jan 2013, 11:11, Reply)