We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Financial Association On Credit File
WeeJockMcPlop
Posts: 13 Forumite
Quick one - I checked my credit report today and discovered an odd financial association. It's not odd as it is with my wife, but I have the following concerns:
1. The Source is "Moneio (Freestanding)" - I believe they are now Freedom Finance - and neither of us have ever had any business with that company.
2. It's dated in 2004, and our only financial association at that time was a joint Santander current account (the mortgage at that time was only in my name).
3. Also it being dated in 2004 seems like an odd thing since I thought most things only stay on file for 6 years.
4. Her surname is spelled incorrectly - there is also an appropriate association through our joint current account with Barclays so it looks like I have two financial associations.
Is this worth querying through the CRAs? Could it be held against me when applying for anything? I am looking to remortgage in the new year and want everything to be nice and clean.
1. The Source is "Moneio (Freestanding)" - I believe they are now Freedom Finance - and neither of us have ever had any business with that company.
2. It's dated in 2004, and our only financial association at that time was a joint Santander current account (the mortgage at that time was only in my name).
3. Also it being dated in 2004 seems like an odd thing since I thought most things only stay on file for 6 years.
4. Her surname is spelled incorrectly - there is also an appropriate association through our joint current account with Barclays so it looks like I have two financial associations.
Is this worth querying through the CRAs? Could it be held against me when applying for anything? I am looking to remortgage in the new year and want everything to be nice and clean.
0
Comments
-
Yes, query through the CRAs.
They can stay indefinitely, unless you remove them.:beer:0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards