How do I remove my ex from my credit history?

Dear James,

I was refused a mortgage by my bank of 20 years. My agent said it was due to a black mark against my name. This was a shock as my credit history is very good. My Experian report shows a ‘financial association’ with my ex from when we opened a joint bank account.  This is now not the case as we parted in 2010 and the account was closed. How do I go about disassociating myself from my ex?

Tofik, Bognor Regis

Dear Tofik,

Credit checks take place these days on people and not on addresses, but people can be linked by joint financial activity, such as in your case when you opened a joint bank account. If a relationship doesn’t work out, it’s a really good idea to review your credit report with each of the credit reference agencies. If you find any financial links between you and your ex-partner, ask for them to be removed. If you don’t do this you could find that any credit applications you make in the future may be affected by your ex-partner’s financial situation. To break the link on your Experian credit report – a process we call ‘financial disassociation’ – simply complete our financial connections questionnaire and return it to Experian consumer help service, PO box 9000, Nottingham, NG80 7WP. We’ll let you know once we’ve broken the link, or if we need any further information from you. (April 2012)

James
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