financial association

saintly_2

in 2002 a person was guarantor on a car i bought on hp, this was paid off in 06, accoridng to equifax she is a financial associate which i understand.

however this person is now in an IVA and their credit score is shot to pieces, will that affect mine??

if so how can this be removed?

ta

x

never-in-doubt

saintly wrote: »

in 2002 a person was guarantor on a car i bought on hp, this was paid off in 06, accoridng to equifax she is a financial associate which i understand.

however this person is now in an IVA and their credit score is shot to pieces, will that affect mine??

if so how can this be removed?

ta

x

You both write in declaring a notice of disassociation. Basically, you are arguing that you do not have any shared finances.

saintly_2

thanks NID

xx

starM

Yes if you have a financial association and another has bad credit then it would effect your credit rating.

If you no longer have joint accounts etc you can remove financial association.

You can submit the form online to get this removed from your credit report. http://experian.metafaq.com/templates/experian/main/answerPage?_mftvst:answerRef=%24http%3a%2f%2fapi.transversal.com%2fmfapi%2fobjectref%2fEntryStore%2fEntry%2fhttp%3a%2f%2fwww.metafaq.com%2fmfapi%2fMetafaq%2fClients%2fexperian%2fModules%2fCredit_report%2fTopics%2fother_people%3a137325%3a2&_mftvst:moduleID=%24Credit_report&_mftvst:topicID=%24&id=GMHHDE870BTM53B7VNSV5PIPQ0

MS

saintly_2

thanks

xx

never-in-doubt

saintly wrote: »

thanks

xx

This may help you - official way to remove by the CRA's themselves:

Equifax: https://www.econsumer.equifax.co.uk/consumer/uk/sitepage.ehtml?forward=gb_elearning_credit43

Experian: https://www.creditreporthelp.experian.co.uk/static/ycrhc/d37d9b01e8f941ac8012df60e16ab0b4.html

Call Credit: https://www.callcreditcheck.com/frequently-asked-questions (scroll down to other peoples details)

duggie1982

How about an application that was rejected and now on my file as me having an association with this person. Should I ask for it to be removed?

never-in-doubt

duggie1982 wrote: »

How about an application that was rejected and now on my file as me having an association with this person. Should I ask for it to be removed?

Yes mate, exact same process. See links above for details.... assuming of course you have no financial links with him/her....

duggie1982

Nope was my mother a few years back but no longer at same address and no other joint accounts.

Cheers, never thought it would mater but her CRA's are worse than mine lol

never-in-doubt

duggie1982 wrote: »

Nope was my mother a few years back but no longer at same address and no other joint accounts.

Cheers, never thought it would mater but her CRA's are worse than mine lol

LOL, yes mate then you can have it removed - just get her to do a letter as wel, if the CRA's refuse. They will then do it, no worries.

Mia46

Sorry to barge in but I am struggling a little with removing a finanical association with my ex through Equifax. Both Callcredit and Experian were very good, just completed the form and that was that - the financial link was removed. But with Equifax they keep insisting I get an upto date credit report in order to remove the association... an obviously they ask me to pay for it as I already had the 1 month free trial. Does anyone have a similar problem with Equifax? Thanks.