A Financial Association Question

Little_Miss_Scatterbrain

I have recently become a member of experian so that I can keep an eye on my credit score as I am hoping to get a mortgage.

However it appears I have a financial link to my ex. When we were together we had a joint bank account with the Royal Bank of Scotland, but this has been closed due to my IVA completing.

It says that we are joined by Halifax - Mortgage and NORTHERN ROCK (ASSET MANAGEMENT)PLC.

I have absolutely no Idea what these are for and I certainly didnt sign any paperwork for them

How do I get his name taken off my file and check that he hasnt fraudulantly taken them out jointly with me? To make this even harder we split in 2004 and I havent heard from him since. I have no contact details.

Im really concerned about this. Please help me xx

happy_bunny_2

You need to contact the CRAs and file a notice of disassociation.

I presume none of the linked accounts are on your account history of your credit report?

YorkshireBoy

Little_Miss_Scatterbrain wrote: »

I have recently become a member of experian so that I can keep an eye on my credit score as I am hoping to get a mortgage.

It's not necessary to buy a (circa £15 a month?) subscription...just buy a £2 statutory report as and when you fancy a look.

How do I get his name taken off my file and check that he hasnt fraudulantly taken them out jointly with me? To make this even harder we split in 2004 and I havent heard from him since. I have no contact details.

Experian answer your question on their website. Loads of help available there from the people who are taking your money! Start here...

http://www.experian.co.uk/consumer/questions/askjames285.html

...and click the 'questionnaire' link within.