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Default for a joint account on wifes file but not mine
dobbollah
Posts: 234 Forumite
Wife and I had a joint account with Bank of Scotland.....when things went belly up they defaulted us and sold the debt to Idem.
The bank of scotland account shows in the closed section of my credit report, and the Idem shows in the current section.
On my wifes report both bank of scotland and idem show as current on her credit report......
why have they closed mine and not hers?
We have recently paid off the balance and are waiting Idem to update the credit file, my concern is the bank of scotland default will still be showing as current on my wifes file
any advice always welcome
The bank of scotland account shows in the closed section of my credit report, and the Idem shows in the current section.
On my wifes report both bank of scotland and idem show as current on her credit report......
why have they closed mine and not hers?
We have recently paid off the balance and are waiting Idem to update the credit file, my concern is the bank of scotland default will still be showing as current on my wifes file
any advice always welcome
Debt free since Jan 2016
:beer:
:beer:
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Comments
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Information is meant to be current, and accurate, I would complain and get it adjusted.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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ive registered a dispute on noddle........Debt free since Jan 2016
:beer:0 -
Are your reports updated at different times of the month? Noddle is just a monthly snapshot.
Which leads to the question.....
Has it shown on yours for several months longer that hers?I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
If you can't be the best -
Just be better than you were yesterday.0 -
yes it has......i dont know why it didn't register before now....
I've never raised a dispute on the file before, i dont know if this will resolve the issue.....?Debt free since Jan 2016
:beer:0
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