Financial Disassociation

katkin804

I have signed up to checkmyfile and requested a financial dissassociation. It says usually get a response within 28 days. Does anyone have any experience of this and if it is often done sooner?
I only found out by being declined my DiP - they said it was because a financial associate had defaults. These associations are all historic as I only have my own accounts etc now so I want to disassociate. 
I am under some time pressures as need to pay back help to buy, had RICS surveyor valuation already which only lasts 3 months (although i believe i can get extended by another 3 by paying another fee). My credit rating is really good so had just (stupidly) assumed DiP would go through. I'm hoping once financial disassociation takes place it will be fine but don't want to pay the further fees etc before I get a DiP.

[Deleted User]

Don't use checkmyfile.  Request the disassociation with each of your individual files which show the association.  You need to make sure it's done swiftly and correctly.

[Deleted User]

They have to investigate and then update the CRA. 
Use MSE Credit Club (Experian), ClearScore (Equifax) and Credit Karma (TransUnion) to check your files for free (rather than risking payments to Check my file) and may assist in checking the notice has been filed, rather than relying on a third party to do it

katkin804

Deleted_User said:

Don't use checkmyfile.  Request the disassociation with each of your individual files which show the association.  You need to make sure it's done swiftly and correctly.

how do i do this without paying for each service?

KazzaR

I am in a similar position but it’s me with the bad credit and my joint account I had with him has linked us even though I’m no longer on the account (was removed several months ago) the account it’s self is still open so it still looks like we are linked on Experian but we aren’t. I’ve filled out forms but never hear back I’ve tried calling Experian but just keep getting automated machines I just want to speak to a human but it’s near on impossible!!!! I hope you hear back I’d be interested to hear 
Kaz x

[Deleted User]

You go via the free routes in Farfetch's post. 

katkin804

Deleted_User said:

You go via the free routes in Farfetch's post. 

i have clear score, credit karma and credit club but couldnt seem to raise a dispute that way

KazzaR

katkin804 said:

Deleted_User said:

You go via the free routes in Farfetch's post. 

i have clear score, credit karma and credit club but couldnt seem to raise a dispute that way

Same here I’ve sent another email to Experian I can’t seem to get through to a human this is having huge anxiety affects on me 😩

MEM62

katkin804 said:

Deleted_User said:

Don't use checkmyfile.  Request the disassociation with each of your individual files which show the association.  You need to make sure it's done swiftly and correctly.

how do i do this without paying for each service?

There is no requirement to pay for this.  Anyone who has led you to believe otherwise is miss-informed.