Is it actually possible to speak to Experian?

Guerillatoker

Looking to be financially disassociated from my mum who passed away just over a month ago. The link is only shown on Experian from a joint mortgage application in 2016 that was not acted on.

I am trying to get this done urgently as I foresee the need to make a mortgage application soon and her credit was not the best - unfortunately I only realised recently that I am associated as I was generally only checking Noddle previously.

I have spoken to the bank whom the mortgage application was made with, they won't help. I see there is a form on the Experian website which upon printing, filling out, scanning and returning via email they will take 4-5 weeks to process (which involves them going to the bank, which I explained to the bank in hopes of skipping a step, but they didn't want to know). I am not confident they will actually remove the association without discussing with me as I am still resident at the address we both lived in.

TL;DR I have tried to get Experian on the phone to discuss this and hopefully get things sorted ASAP but their automated phone system is a labyrinth that never ended with a human.

Does anyone know how to get Experian on the phone? Is it worth it? Is it even possible?

Nasqueron

Even if you were able to speak to them, they won't do it over the phone, you still need to put it in writing.

[Deleted User]

You need to complete a Notice of Disassociation form and do it with all 3 of the CRA's, not just Experian.

They need this in writing and on the official form

Guerillatoker

From my reports Callcredit and Equifax don't have the association, do you think I still need to do it for them?

I suppose the form is my only recourse, so I'll do that.

I hate CRAs. Surely it should be their responsibility to remove the associations when they are notified of the associations death from their financial institutions.

System

Do it regardless, it'll prevent any problems down the line. Someone dying doesn't alter the fact that once you were financially linked to someone. The financial institutions as far as I know don't notify them of the death of their customers, just that the account is settled because notifying people of someone's death is generally the responsibility of the estate to do for all kinds of reasons.

TubbyDown

I have spoken to them on the phone previously. Always found them very rude and unhelpful but you can get through to them