This case is about:

  • irrelevant information about third parties on a credit file; and
  • resolution by ‘disassociation’.

Ms J’s loan application was unexpectedly turned down. The lender told her that this was due to information on her credit file.

Ms J therefore applied for a copy of her credit report to see what the problem was, but could not see anything that might affect her getting a loan. However, she noticed that her former bank had recorded a financial association with her ex-partner on her file, even though she no longer had a joint account or any other financial involvement with him. 

Ms J contacted us to raise her concern because she was aware that her ex-partner had experienced financial difficulties and she thought that this association may be damaging her ability to get credit.

We advised Ms J that her bank should have removed any financial associations she had with her ex-partner on their records, as she no longer had any connections with him. We advised her that she should write to the bank and explain this to them and ask that the financial associations be removed.

In addition, we also advised her to write to the three main credit reference agencies to ask them to formally disassociate her from her ex-partner on her credit reference file. This would ensure that lenders did not take her ex-partner’s credit worthiness into account when she applied for credit in the future.

In this case the ‘disassociation’ was carried out, because Ms J had good evidence to show that she was no longer financially linked to her ex-partner.