When the financial association passes away

captainlongtoes

Hello all,
When a person listed as a financial association on the credit file dies, do they automatically get removed from my credit file, or does this have to be requested? 

D3xt3r5L4b

You need to request the disassociation

captainlongtoes

Thank you.

Be_Happy

I seldom look at my Credit File, but noticed that my husband, who died 3 years ago is still listed as a financial associate.  I contacted the Credit Agency who said he was linked through a joint bank account we had and I had to ask the bank to remove his name.  (When he died the account was transferred to my sole name and all his banking affairs were settled.)

When I phoned the bank, they checked my account and said there was nothing showing a link to my husband and it was nothing to do with them, so it was up to me to ask the Credit Agency to remove his name.

Could I just leave his name there, on the assumption that any credit enquiry on his name was show his death, or is it vital that I make further efforts to remove it?   At my age, I will not be making mortgage or loan applications, so the only people who seem to do searches are new bank accounts and insurance applications.

D3xt3r5L4b

Fill in and submit a notice of disassociation form with each of the CRA’s they appear on

Be_Happy

Thanks.  Will do this, though the Credit Agency I spoke to said it was up to the bank to remove the association.