Connections on credit file

Jjamie

Hello! I’m new! I’m also very new to credit scores/ratings as I’d like to purchase a property but that’s another story.

I’ve noticed I have three connections on my clear score file. Two being my deceased Mum (one has Mrs and the other doesn’t) and one being my partner.

Once never had joint credit with either, but I do stand to inherit a half share of the property mum owned. My partner has credit as do I but not jointly. Can I find out the reason for there being a connection? I’m not linked to my dad who’s also at the same address. Thanks!

[Deleted User]

Just file a dispute with each of the CRAs advising them of the error.

They will tell you if there is an association you're not aware of.

Jjamie

Thank you! Do disputes show up on the score?

[Deleted User]

Do you means your files? No.

Jjamie

Yes sorry. Thank you! So basically if I dispute it then they’ll just tell me why they are there rather than it having any lasting affect on my file?

[Deleted User]

If the association is removed, it will no longer be visible. Credit files have no memory, so it's as if it was never there.

Jjamie

What happens if I dispute it and they find a reason I haven’t considered. Would that affect it? I just don’t understand why they would be there

[Deleted User]

If you're financially associated, the the association will remain.

One you no longer have joint products, you can apply for disassociation.

Jjamie

Thank you! Can you clarify what is ment by financial association?

[Deleted User]

Joint financial products. Mortgage, loans etc.

Jjamie

There’s no joint loans or anything so I don’t understand it.
I am mums executor and I wondered if it was because I will own her share of the property once the Will is settled. And my other half could be because we’ve been looking at getting a mortgage