Notice of Dissociation

nicmalauren · 7 July 2018 at 2:10PM

Hi everyone,

I had a joint mortgage and joint bank account with someone back in 2011. We no longer speak and I would like all traces of them removed from my credit file. I had assumed that if the association hadn't been confirmed in the last 6 years then it would drop off my file automatically, but this hasn't been the case (ignorance on my part perhaps!).

I gather that the thing to do now is to write to the CRAs asking for a notice of dissociation? Does anyone know how I go about this or could link me to a template letter? The only CRAs I can think of are Experian, Equifax and Callcredit - have I missed any?

TIA,

Lauren :j

[Deleted User] · 7 July 2018 at 2:19PM

Just contact them with details of who you want to disassociate from. They should have contact details on their sites. The three you've listed are correct.

No need for templates.

Carrot007 · 7 July 2018 at 2:27PM

nicmalauren wrote: »

Hi everyone,

I had a joint mortgage and joint bank account with someone back in 2011. We no longer speak and I would like all traces of them removed from my credit file. I had assumed that if the association hadn't been confirmed in the last 6 years then it would drop off my file automatically, but this hasn't been the case (ignorance on my part perhaps!).

I gather that the thing to do now is to write to the CRAs asking for a notice of dissociation? Does anyone know how I go about this or could link me to a template letter? The only CRAs I can think of are Experian, Equifax and Callcredit - have I missed any?

TIA,

Lauren :j

Assuming these accounts are closed then I would have expected the association to drop off when they do. (Six years after closure). But you can file a disassociation notice with the three agencies if it has not.

Notice of Dissociation

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