Credit score has dropped 300 points in 1 month... help!

DCFC79

hart89 wrote: »

Hmm strange, I've just logged in to my credit expert club and my experian score on there is 960, says the report date is 29th of November. Logging on through Experian website itself it still says 614... why the difference? Is it because credit club is still showing last month?

You've done this a few times now where you have reposted the same message you posted about 15 minutes earlier.

hart89

I know sorry, its bcos when I go back on my phone after posting the message is still there as if I havnt posted it. So I click submit reply, and then notice thatthe first did post. Dont know why it does that. I have tried deleting the repeat messages I can't figure out how to do it.. if someone could let me know I will delete.

DCFC79

hart89 wrote: »

I know sorry, its bcos when I go back on my phone after posting the message is still there as if I havnt posted it. So I click submit reply, and then notice thatthe first did post. Dont know why it does that. I have tried deleting the repeat messages I can't figure out how to do it.. if someone could let me know I will delete.

Try this
Click edit on a post then delete, might be easier on a pc, bigger screen.

hart89

Another question about financial dissasocation - I'm in the process of doing this as across 3 CRA's I have financial connections with both my partner and my sister (who I lived with a few years ago), both have poor credit. Myself and partner went in to the bank and filled out forms etc to remove his name from joint account and I will 'dissasociate' from him with all 3 CRAs once that's done.


Question - we were looking to buy a house together in the summer, and had a DIP from the Monmouthshire, and also one from Leeds Building society, but it fell through. I am now buying on my own. With Equifax there are 4 associates on my file, all with my partner, one for the joint account and 3 for Leeds Building Society. If and when I apply to disassociate, will those ones with Leeds be removed? Am I able to remove them? Also, will the mortgage company I apply with in the next few weeks be able to see that we were doing a joint application in the summer? I understand that the CRAs don't see the searches on your file (soft searches), that is only visible to me?

kingstreet

Joint searches create an association, so you have to remove their associations just like an old closed joint account.

hart89

Ok will do. Have removed one joint association from Experian (my sister), was pretty straight forward so won't have a problem removing my partner when the joint account is sorted. Does anyone know if you can just phone up to Equifax and/or CallCredit to disassociate with them, or do you have to log in or fill paper work?