connection to an address

Terri2606

Hi all I need some help as I just keep hitting a brick wall!! 

I've recently had some references done to rent a new property, They came back that I have a CCJ I knew I didn't and after some investigation we established it was actually  my mother in laws! we both have the same initials and surname! we lived in the property for 6 months in 2018  but was down as living with parents so I'm being connected as her due to our names. I cant discuss the CCJ with company as I'm not the person it was issued to its not showing on my credit report so I don't even know how this reference company linked it to me? However we lost the property we had hoped to rent so now need to have some more references done but obviously  worried this is going to come up again.
Does anybody know how I can remove her address/connection from my records? I do have evidence that its not my CCJ as its also in my father in laws name however the last reference company didn't want to accept that.

Many Thanks in advance to any help or advice

GDB2222

There are a number of credit reference agencies, and the CCJ is currently showing up on at least one of them. You need to get credit reports from all the major agencies, then complain to the ones that included the CCJ. 

There’s bound to be a forum on MSE where all the credit report gurus hang out, and they can give you detailed guidance. 

GDB2222

https://forums.moneysavingexpert.com/categories/credit-file-ratings

This looks promising!

Terri2606

ive got exprian,transunion and clear score its not on any of them

Silvertabby

Can you ask whoever checked your references which credit reference agency they used? 

Terri2606

they use transunion 

GDB2222

Equifax. 

Clear score isn’t a cra. 

I think this should be moved to the right board.

MSE_ForumTeam5

Moved to credit file board as suggested

sourcrates

The 3 main CRA are -

Equifax UK | Credit Scores and Credit Reports

Experian | Credit Scores, Reports & Credit Comparison

Credit Score & Credit Reports at Credit Karma™ UK

Don`t sign up for any silly free trials, click on the statutory credit report link, and order a copy of your credit file.

Credit Karma is instant online, if you can be verified, the other two come in the post.

You can then log in online and dispute any information that is incorrect.

GDB2222

Terri2606 said:

they use transunion 

You say you have checked Transunion, though.

fatbelly

If the ccj is under 6 years old and you are declaring the address at which it was issued then if it's not showing on your file it has been de-linked from you already