Your credit rating will not be linked to someone who shares your address UNLESS you have a shared financial commitment, eg joint bank account or mortgage.
In a few months time you should check your credit file for 鎷? with Equifax, Experian, and Callcredit. If any information appears relating to someone with whom you are not financially linked, then you can write to the Credit Reference Agency and ask for it to be removed, and have a note added to your file stating that you are not financially associated with this person.
If someone from my address applies for a scottish trust deed does this affect my credit rating or only theirs.
It used to be that people who had lived in a property at the same time as you could affect your rating, but they%26#039;ve now done away with this and it%26#039;s only your personal situation that affects you.
And like Christine says above, only if you%26#039;ve have joint financial responsibilities would it affect you.
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