credit rating association with ex

Dee0151

Hi, I'm wondering If anyone has the answer to this;
My husband checked his credit rating last night and found he is associated with his ex girlfriend credit. It looks like a loan dating back 7 years ago it had fell in arrears for 10 months. My husband can not remember if he was guarantor or named on the load or joint? We think it would not be joint as he has never been chased for payment/arrears etc We are wondering how he can go about not being associated with this loan? If he can? Thanks for any help given.

Experian_company_representative

Hi Dee0151,

For an association to be recorded there would normally need for a joint application to have been made, or a joint account opened.

The good news is that as long as he no longer has any active joint accounts with his ex-girlfriend he will be able to be financially disassociated.

If he was named on the joint account and it has now defaulted, this would not be classed as an active financial association and he will still be able to disassociate himself.

You may want to check your report with each of the three credit reference agencies and then contact them to request the disassociation.

The online form to do this for Experian can be found here.

Kind Regards
Neil

Tixy

Experian_company_representative wrote: »

Hi
If he was named on the joint account and it has now defaulted, this would not be classed as an active financial association and he will still be able to disassociate himself.

However if it was a joint loan then filing a notice of disassociation would not remove the entry / default from his credit file.

Dee0151

Thank you for your swift replies, much appreciated. My husband seems to think he would of more likely have agreed to been guarantor rather than a joint loan. They both had their own personal bank accounts not a joint one.

Southernman

If he's a guarantor then this is still essentially his responsibility to repay missed payments if the ex hasn't as it will impact his credit rating. Unfortunately as guarantor this loan can't be removed from his credit file

Tixy

If the default and account is visible on his file then it will stay on after a disassociation.

However if the associated party has other credit problems on their file that do not appear on your OHs file then by filing a disassociation he will no longer be affected by those other negative items.