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Ex wife still listed as Financial Associate
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Ersatzdg
Posts: 2 Newbie
Please can anyone offer advice on my situation.
I am looking at applying for a joint mortgage with my wife and started delving a little deeper into my credit report. I've found 2 entries relating to my ex wife of nearly 10 years. I was declared bankrupt over 6 years ago and now have a clear report. These entries are dated 1. Created 2001 / Upadated 2006 & 2. Created 2003 / Updated 2014. Both of them relate to items that were included in my BR however my ex never went down the BR route and i belive is still being chased over these.
So i guess mty question is will an application to the reference agencies to get these removed be succesful? Should my name still be associated with the debt following BR?
Thanks you for taking time to read this and hopefully someone can offer some insight.
I am looking at applying for a joint mortgage with my wife and started delving a little deeper into my credit report. I've found 2 entries relating to my ex wife of nearly 10 years. I was declared bankrupt over 6 years ago and now have a clear report. These entries are dated 1. Created 2001 / Upadated 2006 & 2. Created 2003 / Updated 2014. Both of them relate to items that were included in my BR however my ex never went down the BR route and i belive is still being chased over these.
So i guess mty question is will an application to the reference agencies to get these removed be succesful? Should my name still be associated with the debt following BR?
Thanks you for taking time to read this and hopefully someone can offer some insight.
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Comments
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I recently asked a similar question about my a financial connection on my partner's Equifax (as used by Clearscore) credit report, in his case the partner associated had been dead for over 11 years. I was advised the only way to remove it was to ask, and that worked.
Thread here - https://forums.moneysavingexpert.com/discussion/6224002/financial-connection1 -
northwalesd said:I recently asked a similar question about my a financial connection on my partner's Equifax (as used by Clearscore) credit report, in his case the partner associated had been dead for over 11 years. I was advised the only way to remove it was to ask, and that worked.
Thread here - https://forums.moneysavingexpert.com/discussion/6224002/financial-connection
It's going to be a bit different between a dead associate, and one who is alive and is being chased for debt. Filing a notice of disassociation might work but not guaranteed as the debt still exists and OP is still tied to it as the person who took it out, even if the bankruptcy took away their obligation to repay
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You need to file a Notice of Disassocation with each of the three credit reference agencies.
As your half of the debts were settled by way of a successfully completed insolvency, there's no argument about the associations needing to remain.
Additionally, if the accounts fell into default or were settled over six years ago, they won't appear on your credit files any more anyway.
Either way, you should have no difficulty in actioning notices of disassociation with the credit reference agencies. You might have to argue with them a bit, but that's standard practice. They're inherently quite stubborn and ignorant beasts, CRAs.0
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