OH Credit Score Way Down

stubie

Slightly off track here but still related to my BRc, I think?
My wife credit score has taken a dramatic tumble to 95 point :eek: She has a clean credit file, no missed payements etc. I got hold of her file and the only thing I can see that might effect the score is I am listed 5 times as having a finacial connection.

Would this effect her score that much?

FYI, I am was discharged back in May.

Thanks

philnicandamy

well....it affected me with my OH credit files showed a financial link to a credit card & her score dropped like a stone....once I took myself off though she's been better (just got a new 0% credit card which she struggled to get before)

stubie

Thanks for the reply philnicandamy.

How did you go about getting the connections removed. I have seen the weblink on Experian and can answer NO to all but the last question, should I move out

Do NOT share a bank account - NO
Do NOT share a mortgage in joint names (including any outstanding liability under mortgage agreement) - NO
Have NO shared joint credit agreements - NO
HAVE NO other shared financial link - NO
Do NOT live at the same address - YES

philnicandamy

Have you had copies of your credit files? when I got mine it clearly stated what links were & who with..one credit card i'd NEVER applied for jointly...I simply wrote to all 3 and told them the details were incorrect

stubie

I will get hold of mine later today.

From understand now, the links will refer back to a link on my file? i.e like link backlinks on a website?

Mind you, one link on my OH file relates to the YBS back in 2000, I know this will be on my file? Could this be removed?

philnicandamy

have a read here about cleaning up your files

http://forums.moneysavingexpert.com/showthread.html?t=677875

stubie

Many thanks, I'll start straight away.

stubie

What a joke:

Me BR credit score 469

Wife not BR credit score 95

:rotfl:

philnicandamy

Go figure!