Negative credit ratings by way of 'Association'

NeilBr

I had an electricity account with one of the 'big 6' energy providers until I decided to switch. I was a few days late in paying their final bill to which they sent me a demand letter & referred the matter to debt collectors. They also placed a negative rating on my credit score. The account was in my name only but they also put a negative rating on my wife's otherwise excellent credit score despite her having nothing to do with the account and not legally liable for payment of the debt which by that time had been paid. Their excuse was her 'association' with me as she lived in the house where the debt occurred. This does not seem right to me as they had no form of legal recourse against her. Anyone else came across this?

Farway

It is not because she lives in same house, it is because she is related to you by marriage

You can get a note of dis-association added to her credit file, you need to fill in the form, she needs to sign it

I had to do this with my son, same surname, same house

undaunted

demand letters, debt collectors, adverse credit ratings....... a few days..... how many days did you say it was again?

GingerBob_3

NeilBr wrote: »

I had an electricity account with one of the 'big 6' energy providers until I decided to switch. I was a few days late in paying their final bill to which they sent me a demand letter & referred the matter to debt collectors. They also placed a negative rating on my credit score. The account was in my name only but they also put a negative rating on my wife's otherwise excellent credit score despite her having nothing to do with the account and not legally liable for payment of the debt which by that time had been paid. Their excuse was her 'association' with me as she lived in the house where the debt occurred. This does not seem right to me as they had no form of legal recourse against her. Anyone else came across this?

This doesn't seem right. Is the supplier one of E.ON, NPower or BG? You have a financial association with your wife if you have any sort of joint account with her. Otherwise you don't Also, who does the supplier send the bill to? You, or jointly to you and your wife? If the latter, then they will consider her liable as much as you.