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Scottish Trust Deed Forum
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Topic starter
19/03/2016 9:53 pm
I need some advice. I completed my trust deed last July and was discharged in December. My partner has just bought a flat for us and we need to set up a joint account for bills.
He has seen an account with Santander he likes due to the benefits but they were one of my creditors I had a loan with. Would I be able to bank with them? Or would I need to wait a few years? I don't want to apply for an account and be declined leaving a footprint on my credit file especially since like others I'm trying to improve my credit rating again.
Thanks in advance.
20/03/2016 11:05 am
Hi glasgow_gal.
Sadly I think the only way you'll find out is by applying.
Are you happy to create a financial connection between each of your credit records?
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
Topic starter
20/03/2016 11:10 pm
Thanks TDA.
Would creating a financial connection between our records have a negative impact on my partners credit rating ? I wouldn't want to affect his credit rating due to my poor rating.
20/03/2016 11:51 pm
It wouldn't affect his credit rating glagow_gal. That's an individual thing.
It would create a connection though.
Some lenders might follow that connection and it might affect their willingness to lend.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds
