Halifax Joint Loan App

cmc_entertainment

Hi all, just a quicky.

In summer last year me and my OH applied with halifax for a loan [by her account as i am the main earner] and have recieved my credit file stating that a search has been done and that we are INDEFENTLY financially linked unless i do an dissociation with her. BTW didnt get it.

Overall i have the better credit as she has missed a few more than enough payments over the years with store cards and cc's.

Is it wise to ask for a dissociation and can i do it??

mtia

tom188

Do you have any joint accounts? If you do that is an association.

regularsaver1

If you apply for something in joint names you are associated and are both liable for that debt, but i would think it was that only

guys am i wrong?

cmc_entertainment

but does it matter that we didnt get it anyway?

regularsaver1

It will still show as a search

cmc_entertainment

so therefore can i dissociatate from her? because the search will stay on there forever until i do anything

regularsaver1

whats the problem?

you can't remove a search

cmc_entertainment

its just saying that because of the search and only of that particular search therefore we are linked EVEN though as stated we didnt get it.

I havent enquired about this to equifax as of yet.

thesaint

The search will stay on their for a year. After a year write to the Credit Reference Agencies with a Diassociation Notice. Unless they have evidence to show joint accounts they should be staisfied.
If you are so concerned, I don't know why you applied for a joint loan.

cmc_entertainment

i know our bad - but in the end we worked around not getting a loan anyway