financially disassociate myself with unknown detials

tranceaddict

Hi

By the end of the year I will be debt free (woo hoo) with the help of Stepchange and a DMP, it's taken nearly ten years but I can't wait.

Because of this I'm trying to get my credit score back in order, and have noticed I have 2 associations from ex wife and partner showing

1 Ex Wife, Divorced in 2009 I carried on paying the debt of a joint loan we had, and this was settled over a year ago, so we no longer have any association. I have not seen or spoken to her since 2009, I have no knowledge of her whereabouts or name she now goes under

2 Ex Partner, lived together for 4 years (1995-1999) and shared 2 homes, possibly had a joint account or loan at the time (can't remember) though again these have all been paid off (all debts left are purely my own!) Again I have not seen or heard from her since 1999 and have no knowledge of her whereabouts or name she now goes under.

When looking at the forms on the Credit Agencies to disassociate myself form thee people its asking for information I just do not know or am able to obtain.

Any ideas on how to go about getting these name removed from my association with them.

Many thanks for any help

GingerBob_3

This is one of the despicable ways in which CRAs operate. You don't have any joint accounts, none are shown in the CRA's files, ergo you have no financial associations. However, the CRAs continue to lie about you in their publications, asserting that you do have a financial association, in your case dating back 17 years with someone you have long since lost track of.


How should you deal with this? Contact the chumps at all three agencies TELLING them that you have no association and if they don't remove it/them you'll be taking up the matter with a solicitor. You might also like to report the matter to the ICO. Ask them how they justify allowing the CRAs to peddle lies in this manner.

YorkshireBoy

GingerBob wrote: »

This is one of the despicable ways in which CRAs operate. You don't have any joint accounts, none are shown in the CRA's files, ergo you have no financial associations. However, the CRAs continue to lie about you in their publications, asserting that you do have a financial association, in your case dating back 17 years with someone you have long since lost track of.


How should you deal with this? Contact the chumps at all three agencies TELLING them that you have no association and if they don't remove it/them you'll be taking up the matter with a solicitor. You might also like to report the matter to the ICO. Ask them how they justify allowing the CRAs to peddle lies in this manner.

Financial associations are not created by CRAs...they're created by lenders and you yourself, if you tell them one exists when you order a report.

Until a CRA is notified a financial association no longer exists, either by the lender who created it or you yourself, the association will continue to be reported.

In this instance (as with many others you comment on ), your CRA rant is unjustified.

GingerBob_3

YorkshireBoy wrote: »

Financial associations are not created by CRAs...they're created by lenders and you yourself, if you tell them one exists when you order a report.

Until a CRA is notified a financial association no longer exists, either by the lender who created it or you yourself, the association will continue to be reported.

In this instance (as with many others you comment on ), your CRA rant is unjustified.

Right and wrong. Yes, associations are notified by lenders, or in some cases illegally by utility providers. However, if there are no joint accounts present - and the CRAs can see this - there is, by definition, no financial association. So why do these bounders at the CRAs keep reporting them as though they are present? That is, why do they keep lying?

YorkshireBoy

GingerBob wrote: »

Right and wrong. Yes, associations are notified by lenders, or in some cases illegally by utility providers. However, if there are no joint accounts present - and the CRAs can see this - there is, by definition, no financial association. So why do these bounders at the CRAs keep reporting them as though they are present? That is, why do they keep lying?

CRAs only report what they are told. When lenders report an account's status each month do they also report if the account is a joint one or not? And go on to list all the account holders? I suspect not.

As to your use of the word "illegally" (in your utility provider allegation), that can't be the case can it? After all, they'd be prosecuted wouldn't they?

GingerBob_3

YorkshireBoy wrote: »

CRAs only report what they are told. When lenders report an account's status each month do they also report if the account is a joint one or not? And go on to list all the account holders? I suspect not.

As to your use of the word "illegally" (in your utility provider allegation), that can't be the case can it? After all, they'd be prosecuted wouldn't they?

Probably not criminally illegal - though it should be. As I recall, it breaches whatever weak regulation the ICO imposes on the CRAs. Are you saying lenders don't report accounts as joint? Then how do the CRAs know about the association?


The current case exemplifies the problem here. The OP doesn't have a financial association but the CRAs say he does. They lie. Other publishers are brought to task when they lie, but not this bunch of chancers.

YorkshireBoy

GingerBob wrote: »

...how do the CRAs know about the association?

They're told, ie an association and the reason for it is "confirmed" by the lender. As far as I know* the lender doesn't continually report this each and every month on the actual account status update. In other words it's a one-off confirmation, which exists until the lender withdraws it.

* I speak from first hand experience of getting an association removed from my own file a few years ago by contacting the lender.

Some sample reports on the CRA websites back this up. Here's the first I found when searching for [Experian "confirmed by"]...

http://www.experian.co.uk/creditability/Resources/mockReportV6Jun07.pdf

GingerBob_3

YorkshireBoy wrote: »

They're told, ie an association and the reason for it is "confirmed" by the lender. As far as I know* the lender doesn't continually report this each and every month on the actual account status update. In other words it's a one-off confirmation, which exists until the lender withdraws it.

* I speak from first hand experience of getting an association removed from my own file a few years ago by contacting the lender.

Some sample reports on the CRA websites back this up. Here's the first I found when searching for [Experian "confirmed by"]...

http://www.experian.co.uk/creditability/Resources/mockReportV6Jun07.pdf

Okay, but it's irrelevant whether the lender tells them or not.


The lender provides the account number. The CRA has a financial association set up. The CRA checks that the financially-associated person also has the account notified against them (simple SQL query). Except, this last step doesn't take place. The CRAs could easily set up a regular job - say once a month - to verify financial associations, and if these associations are not regularly confirmed by lenders then such a job would identify broken associations, and they could then be removed.


Why do the CRAs not manage this in an equitable manner? I guess for the same reason that they used to blacklist entire properties, until they were dragged kicking and screaming into a fairer regime where only individuals are blacklisted.

YorkshireBoy

GingerBob wrote: »

The lender provides the account number.

Do they? If they did, it would appear on my CRA report wouldn't it? And it doesn't.

GingerBob_3

YorkshireBoy wrote: »

They're told, ie an association and the reason for it is "confirmed" by the lender. As far as I know* the lender doesn't continually report this each and every month on the actual account status update. In other words it's a one-off confirmation, which exists until the lender withdraws it.

* I speak from first hand experience of getting an association removed from my own file a few years ago by contacting the lender.

Some sample reports on the CRA websites back this up. Here's the first I found when searching for [Experian "confirmed by"]...

http://www.experian.co.uk/creditability/Resources/mockReportV6Jun07.pdf

Sorry, can't remember how to do multiple quotes.


It exists forever - even after the lender withdraws it. The only way it goes is if the CRA agrees to remove it when you beg them to do so. Outrageous.

GingerBob_3

YorkshireBoy wrote: »

Do they? If they did, it would appear on my CRA report wouldn't it? And it doesn't.

So how do the CRAs uniquely identify a lender's submission?


Current account turnover doesn't appear on "your" (i.e. the CRA's) report, but the CRAs collect that information. Almost certainly there will be a significant amount of data supplied by CRA customers, about you, but which you don't get to see - key fields to records perhaps being one of them.