Financial association
Credit scores & reportsA link on your credit file created when you share credit with someone, such as a joint account.
Overview
Financial associations can connect your credit file with another person.
They are created by joint accounts, joint loans, or shared mortgages.
Why it matters
- Lenders may consider associated records.
- It can affect decisions if the other person has issues.
- You can remove incorrect associations.
FAQs
Does a partner credit score affect mine?
Not directly, but a financial association can influence lender decisions.
How do I remove a financial association?
Close joint accounts and request a disassociation from the credit agencies.
Related terms
Explore further
Take control of your credit health
Get the complete credit toolkit with all features included.
Start building creditInstant setup. No credit check to join. 14-day money-back guarantee.