Removing Financial Associations

If you have a financial connection to another person, then this information will be stated on your credit report. A financial connection is created when you apply for or open a bank account or other credit product in joint names, or when you inform a credit reference agency that you are financially linked to someone else.

If your report states that you have a financial connection with someone you are no longer associated with (for example, an ex-spouse), or with someone you have never had a financial link with, then you'll need to write to all 3 credit reference agencies (Equifax, CallCredit and Experian) to 'disassociate' yourself from that person, explaining your reasons.

When applying for a dissociation, you should provide the following information:

  • your full name
  • your date of birth
  • the full name of the person you want to be disassociated from
  • the date of birth of the person you want to be disassociated from
  • the current address of the person you want to be disassociated from (if known)
  • your relationship to the person you want to be disassociated from (if any)
  • any addresses you have shared with the person you want to be disassociated from

Once a disassociation has been created, lenders requesting your credit report will no longer see details of the disassociated person. However, if a credit reference agency refuses to accept your dissociation request, you can ask the Office of the Information Commissioner (Tel: 01625 545 745) for help.

Credit reference agencies should not include information about other people who live at your address in your credit report, unless a financial connection has been created. This means that other people's credit details should not affect your credit rating.