Credit refused due to ex husband...

Sarahsaver

His name is still on MY credit report! He left here dec. 2002.
it is the ONLY bad thing on my report, which i downloaded from equifax today.
My report with experian doesnt include him anymore.
I am VERY annoyed.
Didint get a few jobs recently - now i know why, they were with banks.
Also been turned down for free banking which my own bank offers new business customers for 18 months, because of adverse reports on my file.
What do I do? Go to another bank? Would they look at a different report, experian instead of equifax?
Any ideas?

stuwilky

Sarah,

a notice of disassociation should sort that problem out within a week or two.

There is a form to download on the site, or just write a letter to equifax explaining you are not financially connected. And hey presto - it is that easy to rectify.

moggins

Sarah I signed up with the Credit Expert free trial for exactly the same purpose, I got an e-mail back the other day saying that my ex would be removed from my report and they would contact all other credit enquiry agencies to share this information with them. I have also cancelled my free trial since then and had an e-mail back confirming this has been done too, very good service and all for free.

Sarahsaver

Now they wont cancel the account, and it looks like they take out the service charge at the end of the month, so I had to put a cheque in to stop being charged overdraft fees if they tried to take the fees out. I can't cancel the account over the phone (its a phone/internet account, because it hasn't been activated yet!?!? And i cant do it in the branch as its a phone and internet account. I do not want the business account with natwest now, but they will not let me close it.
My credit report is perfect apart from the appearance of the ex's name, which ive asked to be removed.

Curry_Queen

moggins wrote:

I have also cancelled my free trial since then and had an e-mail back confirming this has been done too, very good service and all for free.

How does this free trial work and do you have to pay any money up front or is it just a case of cancelling before the first bill is due?

Cheers :beer:

JasonW_2

Basically yes, they are quite open about the date the trial ends, and as long as you cancel before then, you wont get charged. Ive done it and made full use to sort out a load of problems on my file.

J

grumbler

Curry_Queen wrote:

How does this free trial work and do you have to pay any money up front or is it just a case of cancelling before the first bill is due?

CreditExpert (£2 cashback through Greasypalm or MyShopingRewards)
Duration of the Agreement
(a) Trial Period
The Agreement will commencement upon successful completion of Registration.
Your 30 day trial period for the credit report monitoring Services begins on the day of successful completion of Registration as described above and ends on the day which is 30 days later ("the Trial Period"). PLEASE NOTE: the Trial Period does not apply to the personal credit score provided as part of the Services.
(b) After the Trial Period
At the end of the Trial Period if this Agreement is not cancelled in accordance with Section 7 below, this Agreement will continue indefinitely.

Payments
(a) Unless this Agreement is cancelled in accordance with Section 7 below, the Fees in relation to the credit report monitoring service will be debited from the Payment Card on the following occasions: At the end of the Trial Period;….

Cancellation and Refunds
(a) You may cancel the Services and this Agreement at any time. …
(b) If you cancel the authority for us to charge the Fee to the Payment Card, we will treat this a as a request by you to cancel this Agreement.
(c) In relation to the credit report monitoring services only, depending on when you cancel the Services and this Agreement you may be entitled to receive a refund of all or part of the Fee
Cancellation during the Trial Period: no charge to your Payment Card so no refund required