ChatterBank1 min ago
joint bank account
My fiance wants my name added to his bank account enabling us to have the joint account. Does anyone know what evidence etc they may want, as many many years ago I had defaulted on something, would they want proof that this was actually paid.
Cheers
Answers
No best answer has yet been selected by mzjed. Once a best answer has been selected, it will be shown here.
For more on marking an answer as the "Best Answer", please visit our FAQ.Defaults will stay on your CAIS information for 6 years - it may not show anymore. They will (as Garriq says) ask for proof of id / address typically a driving licence and recent utility bill.
Contrary to what Garriq says, however, if they do turn you down, they will not tell you why but give you details of the credit reference agency they have used.
Remember, credit is a priveledge not a right, and their decision is a commercial one. Also, they will not tell you how you have 'scored' badly in a credit rating as next time, you may lie to manipulate your score.
Obviously all of this is hypothetical - I'm not making any comment on you personally, just that there's a potential loophole here that works to your advantage.
If your default IS paid, then the credit search would be proof of this. If not, then by all rights you may not be entitled to credit and may be denied.