A joint account is a bank account shared by two or more individuals. Any individual who is a member of the joint account can withdraw from the account and deposit to it. Usually, joint accounts are shared between close relatives or business partners.
Just living with someone, or being married to them, will not affect your credit rating but as soon as you open a joint bank account together you will be ‘co-scored’. … If you use the account for personal expenses, the other account holders can see the transactions.