Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007
Re: credit score effected by joint accounts

Chexsystems is another credit report showing banking info. I believe you can order it for free.

 

I'll also add that if there's a problem with her credit or she owed $$$ to others and is delinquent, and if sued, creditors can go after the bank account to recover any money. Outside of the bank, creditors can also attach joint assets in the effort to recover any funds after being sued like a car or home.

 

If there's an eviction at the apartment creditors like an assigned collection agency can still report to your CR even if you never gave the apartment your SSN. They use a process called skip tracing to locate your info and collect. This can only happen if you signed the lease.