Don't want my bad credit to affect partner!

skintchicken

Hi

Last year I opened a natwest current joint account with my boyfriend to use for household bills. We didn't end up using it as planned and I later discovered that my current bad credit scoring could affect his credit score.

Obviously I don't want to affect him in anyway so we changed the account into a sole account in my name. I have just been on Equifax to look at my file and he is shown as a "financial associate".

I'm bricking it that I have messed up his scoring as well. The account is now only in my name, is there anything I should or can do? i.e. can I update the credit record to show that we are no longer financially linked?

Any advice is appreciated don't want to mess up his life as well as mine!

Tixy

If you have no joint accounts at all then you can file a 'notice of disassociation' with the credit reference agencies - you'll probably need to do this for all 3 agencies (depending on whether they show you as linked or not).

skintchicken

Hi Tixy

Thanks for quick reply, sorry I am new to this who are the other credit ref agencies and do you think this would be worth while or am I worrying too much?

Tixy

Experian
Equifax
Callcredit

Depends on what your credit file is like, how 'bad' it is, but I would say yes its probably worthwhile. You can file the notice online for experian, possibly also for equifax.
http://www.uk.experian.com/contactforms/consumer_onlinedisassociation.html

skintchicken

Thanks for this I have a lot of debt but it is all maintained and up to date except for one credit card which I'm on a temporary arrangement to pay this will end soon and I will continue with the minimum payments