Obtaining credit files

Jagraf

Right, so, for the first time in years I will be debt free (phenominal amount of debt) at the end of the month. Although I/we (husband and myself) have no late payments or CCJs etc we want to get our credit files in order, as I still have a joint bank account with my ex husband (divorced years ago and only I use it and then only occasionally) and he is also the additional card holder on one of my cards.

I have no idea really what the files will look like and whether there will be any nasty surprises. I thought it best to wait until I was debt free to start another potential slog.

Should I get experian, equifax and call credit, and are all of these free?

Also my ex is quite wealthy so I'm wondering whether still having him as a link is a good thing (don't need to, not going to buy or use credit for a long time).

Thrugelmir

I wouldn't worry about what the reports say. From a lenders point of view they'll only be interested in clear history. As clearing debts is one only stage. Next stage requires time. As time heals.

Jagraf

Thrugelmir wrote: »

I wouldn't worry about what the reports say. From a lenders point of view they'll only be interested in clear history. As clearing debts is one only stage. Next stage requires time. As time heals.

Fab thank you. Looking forward to getting everything sorted.