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  • FIRST POST
    • techno79
    • By techno79 19th Feb 17, 12:19 PM
    • 220Posts
    • 28Thanks
    techno79
    How to break an old financial association on credit report?
    • #1
    • 19th Feb 17, 12:19 PM
    How to break an old financial association on credit report? 19th Feb 17 at 12:19 PM
    I recently obtained a credit report from CreditExpert.co.uk and noticed that it contained financial associations (a person and an address) that is no longer correct. I filled in the financial disassociation online form thinking that this would solve the problem in a central manner but I got a reply back from CreditExpert saying they've now removed my association but I should also speak to Equifax and Callcredit to also break the association.

    I thought that financial associations were stored in some central location that all credit checking agencies tapped into but this implies they may each keep their own records.

    So, if I have to go to each credit checking agency individually, what other agencies should I contact to clean this up?

    TIA
Page 1
    • mwarby
    • By mwarby 19th Feb 17, 4:13 PM
    • 743 Posts
    • 274 Thanks
    mwarby
    • #2
    • 19th Feb 17, 4:13 PM
    • #2
    • 19th Feb 17, 4:13 PM
    equifax and callcredit, you can check call credit via noddle and equifax via clearscore, both of which are free, noddle has a dispute process (not sure about clearscore). You could also get your £2 report from both and the request they remove any old links

    The link would have been created by the bank you had a joint account with, the bank would be showing this in the monthly updates sent to which ever credit reference agency(or agencies) they use. If the joint account is still open you should close it(you probably won't be able to remove link until this is done)
    • Dobbibill
    • By Dobbibill 19th Feb 17, 6:14 PM
    • 2,028 Posts
    • 3,146 Thanks
    Dobbibill
    • #3
    • 19th Feb 17, 6:14 PM
    • #3
    • 19th Feb 17, 6:14 PM
    No, it's not stored centrally.

    As above, go to Noddle & Clearscore FREE to see what information they hold.

    Always check all 3 CRAs for accuracy - not all financial institutions report to all 3 but there is no guarantee they only report to 1 either. Always check
    • techno79
    • By techno79 20th Feb 17, 4:20 PM
    • 220 Posts
    • 28 Thanks
    techno79
    • #4
    • 20th Feb 17, 4:20 PM
    • #4
    • 20th Feb 17, 4:20 PM
    But just to be clear, there's only three credit reference agencies?
    1) Experian
    2) Equifax
    3) Callcredit

    Or are there others?
    • Arleen
    • By Arleen 20th Feb 17, 4:21 PM
    • 647 Posts
    • 438 Thanks
    Arleen
    • #5
    • 20th Feb 17, 4:21 PM
    • #5
    • 20th Feb 17, 4:21 PM
    Just those three.
    • DCFC79
    • By DCFC79 20th Feb 17, 4:30 PM
    • 28,709 Posts
    • 18,131 Thanks
    DCFC79
    • #6
    • 20th Feb 17, 4:30 PM
    • #6
    • 20th Feb 17, 4:30 PM
    You can add the following to your list OP

    NSA, FSA, NASA.

    Lol

    N techno theres just the 3 agencies you mention.

    Clearscore use the data from Equifax and Noddle use the call credit data.
    Je Suis Charlie
    • pedro9955
    • By pedro9955 13th Mar 17, 8:57 PM
    • 1 Posts
    • 0 Thanks
    pedro9955
    • #7
    • 13th Mar 17, 8:57 PM
    • #7
    • 13th Mar 17, 8:57 PM
    Hi I have the same question as techno79. Requesting other credit reports does this affect your rating?
    • zx81
    • By zx81 13th Mar 17, 9:04 PM
    • 10,796 Posts
    • 10,702 Thanks
    zx81
    • #8
    • 13th Mar 17, 9:04 PM
    • #8
    • 13th Mar 17, 9:04 PM
    Hi I have the same question as techno79. Requesting other credit reports does this affect your rating?
    Originally posted by pedro9955

    No. .
    • GingerBob
    • By GingerBob 13th Mar 17, 9:46 PM
    • 3,618 Posts
    • 1,642 Thanks
    GingerBob
    • #9
    • 13th Mar 17, 9:46 PM
    • #9
    • 13th Mar 17, 9:46 PM
    Apparently now there's another one - yes, it beggars belief, doesn't it!


    Crediva.
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