Joint account
Credit scores & reportsA credit account shared by two people, such as a joint loan or mortgage.
Overview
Joint accounts create a financial association on both credit files.
Each person is responsible for repayments.
Why it matters
- It links your credit file to another person.
- Missed payments affect both parties.
- It can influence future applications.
FAQs
Does a joint account affect my partner credit profile?
Yes. Payment history is shared and can affect both files.
Can I remove a joint account link?
Only after the account is closed and you request a disassociation.
Related terms
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