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Joint Accounts and Credit Checks


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Not sure this is the right place for this, but its a general bank question.


I want a joint account with my partner, but she has a string of defaults and a ccj, and poor credit, etc.


I understand that usually with joint accounts (if you get them) you are marked down on your credit score by the other account holder?


I was wondering, if I opened a Joint account via Barclays or another bank that does not require a credit check (basic account), will we still be link via a CRA and will i still get a penalty on my credit score?

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It's not the check that makes you financially linked to the other person it's holding the account over a period of time.


Even then, only some lenders will look at individuals who are financially linked to you - there's no one credit score.

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