Your Experian Credit Score is a guide that will help you understand how your credit history is likely to be viewed by lenders. It can also help you both understand if one partnerís credit history needs a little work before any joint credit applications, such as a joint mortgage, are made.
What would you think women prefer: a plain-looking man whoís responsible with money, or a handsome devil with a university education?
Research from Experian has shown that 3 in 4 of women (75%) rate financial prudence more attractive than appearance, education or background, and on a par with intelligence (74%).
It turns out that the only factor rated more attractive than that in a potential partner was a good sense of humour (87%), with appearance (65%), education (42%) and background (26%) far behind. Big money factors such as wealth (21%) and salary (34%) fared a lot worse than earthier topics like sharing the same life goals (59%) or family plans (64%).
For men however, financial responsibility isnít considered nearly as important (55%), with physical appearance quite a way ahead (67%), though a sense of humour still tops the list at 4 in every 5 men (80%).
Seven out of ten (70%) couples say they make all big financial decisions together ñ the average Briton wonít spend more than £313.46 without first getting approval from their other half. However, 60% of us admit to arguing with their other half over money (6% regularly), with over-spending accounting for half of all rows (51%).
Experian research has also found that 17% of Britons have seen their or their partnerís credit score harmed through their relationships. Of those, 1 in 5 found getting a mortgage more difficult or expensive, while 8% were unable to secure one at all. Just over 1 in 5 (23%) were unable to get a credit card, or take out store credit (21%).
Itís worth checking your credit report to see if and how you are financially linked. Credit reports only become linked if two people have actually applied for credit together (eg: a joint bank account, a mortgage with two names on it) or they tell Experian or a lender that they are financially connected. If you don’t have one you can sign up to Experian CreditExpert or order a one-off £2 statutory report.
If you do share or open up a financial connection, then each of you would see the otherís name in the section of your credit report entitled ëFinancial Associationsí. Although lenders would then be able to look at both your credit reports, your own credit report would show only your own credit activity.
 Unless otherwise stated, all research was carried out online by Canadean Consumer on behalf of Experian Consumer Services among a representative panel of 2,005 UK adults in July 2014.
 Research carried out online by Progressive MediaGroup on behalf of Experian Consumer Services among a representative panel of 2,252 UK adults in February 2014.
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