ex wife

headdown

hi all
my ex (seperated for last 3 year) has applied for a small store card and was refused , she has a perfect history but at present only has a mortgage and small overdraft ,
my question is although we have lived in seperate houses and have been fully seperate money wise since we split would my bad recent credit history go against her because we are still married
we have no plans of divorce but i dont want her finding out about my debs as they are now sorted out through the cccs
might be the wrong board sorry
thanks

DarkConvict

Hi,

You can be refused for many reasons, such as too much credit already so it might be nothing to do with you, mortgage is quite a big thing.

Anyway, you would need to check your credit file and see if you have any associated persons on your file, this comes from holding a joint account, current account, mortgage etc. even if those accounts are now closed you need to sometimes notify the 3 credit reference agencies to remove the link.

What the link does, it allows a company to search the credit files of people they are associated with, so if there is a link from your wife to you, and she applies for credit they will check your file as well.


Equifax Plc
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US
https://www.equifax.co.uk

Call Credit Plc
Consumer Services Team
PO Box 491
Leeds
LS3 1WZ
0870 060 1414
https://www.callcredit.co.uk

Experian Ltd
Customer Support Centre
PO Box 8000
Nottingham
NG80 7WF
0844 481 8000
https://www.experian.co.uk

use http://www.saynoto0870.com/ if you plan to ring.

headdown

thank you
theres been no joint anything for 3 years and any previous accounts or credit was settled or in my name only , but will contact those agencies on monday
thanks again

daviesalie_2

Hi Headdown - even if those joint accounts were settled your credit files will still be linked. If you go on their websites they should have a form you can print off and send in.