Equifax Report & somebody else's bad debt

steve_ben

This is a similar situation to one my daughter found herself a couple of years ago.

When my daughter was at university about 15 years ago, she shared a house with three other students. In order to pay the normal household bills, phone, electricity etc, the four of them opened up a shared bank account. At the end of their time at university they went their separate ways but forgot to close the account - i believe it had a few pounds left in it.

A couple of years ago my daughter applied for car finance and was turned down. She applied for copies of her credit report and discovered that one of her former co-tenants had been declared bankrupt and that because she had a financial association with this person, that was causing her a problem.

It took the best part of 15 months to clear up the problem - so i wish you good luck

National_Debtline

Hi

If you can’t get your issue resolved with the credit reference agencies directly you can complain to the Information Commissioner’s Office.

https://ico.org.uk/


James
@natdebtline