Financial Disassociation

Tracy2812

Hi there,

I hope someone can help me...
The house I owed with my ex boyfriend has recently been sold 04/12/15. I finally got him removed from my bank account last year also. Do I have to apply for financial disassociation on my credit file or will this be updated automatically eventually? I've read I have to apply to 3 credit agencies, one being equifax but who are the other two please?
I have previously had a free trial with equifax (to check the accuracy of my report years ago). Can I have another free trial or will I have to pay?

Any help would be greatly appreciated. Thank you.

Candyapple

Yes you need to contact all 3 credit reference agencies and file a notice of disassociation.

The 3 agencies are Experian, Equifax and Call Credit.

If you've had a free trial I don't think they let you have another one again, but you could try. It should only cost you £2 per report anyway.

Call Credit offer free reports with Noddle. Equifax offer free reports with Clear Score.

Experian_company_representative

Hi Tracey2812,

You would need to fill out a disassociation form otherwise your ex boyfriend will stay on your report indefinitely as a financial connection.

You don't need to obtain a copy of your Experian credit report to disassociate all you need to do is fill out the online form located here: https://www.experian.com/uk/online-dissassociation-form.html

Please ensure you type in 00000000 in the reference number and try to fill out as much detail as possible.

In regards to Equifax and Call Credit I am unsure if you would need to obtain a report from them first, however they will be able to advise you if you contact them directly. There contact details:
Equifax: 08456033000
Call Credit: 08453660071

Hope this helps.
Many Thanks
Emma

Candyapple

Experian company representative - are there any plans in the pipeline for Experian to join both Equifax and Call Credit in offering free credit reports for life?

Tracy2812

Thank you both for your quick reply. I didn't think I needed another credit report but was thinking I might check again in a few months to ensure everything was correct after the disassociation.

Thank you so much again.

GingerBob_3

Experian_company_representative wrote: »

Hi Tracey2812,

You would need to fill out a disassociation form otherwise your ex boyfriend will stay on your report indefinitely as a financial connection.

You don't need to obtain a copy of your Experian credit report to disassociate all you need to do is fill out the online form located here: https://www.experian.com/uk/online-dissassociation-form.html

Please ensure you type in 00000000 in the reference number and try to fill out as much detail as possible.

In regards to Equifax and Call Credit I am unsure if you would need to obtain a report from them first, however they will be able to advise you if you contact them directly. There contact details:
Equifax: 08456033000
Call Credit: 08453660071

Hope this helps.
Many Thanks
Emma

This, of course, is another failing of the credit reporting system.