how do I disassociate myself on my credit report please?

kr44

Hi, I'm hoping someone can help please.

Bit of background, I have a fair amount of debt, ccjs etc from many years ago that I am settling with the help of payplan. But I looked at my credit report on Equifax the other day and besides it not showing all my current debts, it is still saying I have a good 6 or 7 associations with my ex.

we used to have a mortgage together that I have since remortgaged and changed into my sole name and we had a few debts together, again I believe they are solely in my name now. He declared himself bankrupt jsut after we split up 7 years ago and now I am responsible for the whole of the loans we had.

I'm worried his bankruptcy and association with me is badly affecting my already poor credit report. Me and my husband want to try and move to a bigger house as we've outgrown our small one but I'm worried we'll be refused a mortgage even though I currently have one on my own?? (my house is part own, part rent btw)

Can anyone advise please whether this is adversely affecting me and if so, how do I remove associations with him please?

Thank you

Tremour-88

Make sure all accounts you have linked with him are closed then get in touch with all 3 Credit refence agencies

Tixy

Yes its very likely to be affecting you.

If some of your outstanding loans were joint loans but that you are paying off because he went bankrupt you may find that they are still legally in both your names.
In which case you might find its not so easy to financially disassociate. I'd try and see if any of the credit reference agencies have a problem with it.

The 3 agencies all have notice of disassociation forms you can complete - see here for the http://www.uk.experian.com/contactforms/consumer_onlinedisassociation.html

In terms of a mortgage application - if you are on a DMP and still have negative items on your own file (CCJs/ default still visible) then I would speak to an independant mortgage broker about whether you'll realistically be able to get a mortgage and which subprime lenders might consider you - rather than apply straight to mainstream lenders.