Credit Files

Becles

Just a couple of questions on my credit file.

1) I've got a Littlewoods catalogue and the bill isn't on direct debit. I'm guilty of making a couple of late payments which I admit is down to my own forgetfulness. They were always just slightly late though, and I never got arrears letters because of it. I noted they have marked "Query" next to my account. What does that mean?

2) My mortgage was a joint account with my ex-husband, but I bought him out of the house on divorce and had the loan transferred into my sole name. However, I am still listed as having a financial relationship with him. As I know he's not very good with money, I don't want to be linked to him. How do I get that removed? Do I contact the mortgage bank, or write a note to add onto my record?

Debt_Free_Chick

There should be details with the credit file. Re your ex-husband, you need to remove the Financial Association - contact the Credit Reference Agency to do this.

Re the Query ... it could be anything. Again, contact the CRA first, but you may then be referred back the lender (Littlewoods).

HTH