Credit Associations

suzy1234_2

My credit report is showing associations with my partner on a mortgage account that has been paid off 5 years ago. 

They will not remove my association with my partner. He has bad credit and it is impacting my ability to borrow money.
I don't have any other joint accounts with him. 
Help!!!

marcia_

suzy1234_2 said:

My credit report is showing associations with my partner on a mortgage account that has been paid off 5 years ago. 

They will not remove my association with my partner. He has bad credit and it is impacting my ability to borrow money.
I don't have any other joint accounts with him. 
Help!!!

 They can't remove it, you are financially linked now after having a joint account closed or not 

suzy1234_2

marcia_ said:

suzy1234_2 said:

My credit report is showing associations with my partner on a mortgage account that has been paid off 5 years ago. 

They will not remove my association with my partner. He has bad credit and it is impacting my ability to borrow money.
I don't have any other joint accounts with him. 
Help!!!

 They can't remove it, you are financially linked now after having a joint account closed or not 

Why does the credit agency imply you can have associations removed by closing all joint accounts?

Emmia

suzy1234_2 said:

marcia_ said:

suzy1234_2 said:

My credit report is showing associations with my partner on a mortgage account that has been paid off 5 years ago. 

They will not remove my association with my partner. He has bad credit and it is impacting my ability to borrow money.
I don't have any other joint accounts with him. 
Help!!!

 They can't remove it, you are financially linked now after having a joint account closed or not 

Why does the credit agency imply you can have associations removed by closing all joint accounts?

Credit files list accounts including bank accounts and credit cards that are open and those that are closed. They will eventually fall off your file - I think 6/7 years after closure.

 One agency might imply this, but that doesn't apply to the others. Similarly a lender might choose to disregard closed joint accounts - but that's their business choice.

Regardless of this, banks can have their own internal records on you which they may use to make lending/banking decisions - so whichever bank you had the joint mortgage with, could hold records advising not to lend for much longer.