Help pleas

mrcurious_2

I went BR in feb this year and just got copies of my experian and equfax reports and have found a few errors all default dates are wrong and some say i owe more than i did at BR in feb 2011.

The other problem is says i have associated links which i do not have anymore but it showed a search for him a month ago and he got refused credit, what do i do please? Also are there any teplate letters to use etc - Thank you all :-)

philnicandamy

Have a read here it'll help

https://forums.moneysavingexpert.com/discussion/677875

leave it a month or two once your discharged to start the clean up link I posted.

mrcurious_2

I can't see anything relating to linked association which needs to come off??

philnicandamy

you need to contact the credit file companies listed in the link I posted and ask for a notice of dissassociation

I know experian you can do online...

fermi

Disassociation:

Experian: http://www.experian.co.uk/contactforms/consumer_onlinedisassociation.html

Equifax: Follow the steps in the FAQ here under "Tell me about Financial Associates/Alias" https://equifaxuk.custhelp.com/app/answers/detail/a_id/569

mrcurious_2

Thank you so much for the link, it was experian that was wrong and have now filled in the form, thank you once again

wildheart83

It doesn't necessarily require a notice of disassociation.

Do you still have any joint accounts with this person? If you contact equifax and experian over a similar issue, they can remove the link without having to put a notice of disassociation on, if the joint account is closed.

fermi

The above links to request a disassociation will remove the links from your report, not just place a "notice" on it.

wildheart83

Sorry fermi I was replying to phil's post about notice of disassociation.

Experian_company_representative

That's right, we delete all links. Not sure where the phrase 'notice of disassociation' comes from because it is misleading IMO. By the way, simply settling joint accounts will not break the links - you do need to request the disassociation, and you need to do it with each of the three CRAs.

James Jones