Active discussions

Meet the Other Phone. Child-safe in minutes.

Meet the Other Phone.
Child-safe in minutes.

Buy now

Please or to access all these features

Talk
Chat

Join the discussion and chat with other Mumsnetters about everyday life, relationships and parenting.

Original poster

This seems unfair!

13 replies

BarleySugars · 04/08/2023 11:09

I have a shitty ex husband, he was financially abusive, bankrupted me, ran up debt with hmrc in my name etc. I've worked like hell to purge him from my credit rating officially and repair it to a pretty good state in 5yrs.

New DP is mr financially careful and perfect, with a great rating and loads of credit...until today. He checked his report and the agencies are linking him to my ex which is bringing his rating lower than mine!

How dare they? The only link between these two men is my presence! And there was certainly no overlap. A rating is important in this day and age, why are they allowed to make decisions behind our backs like this!?

So angry, and so regret marrying that dude! 😡

OP posts:
CombatBarbie · 04/08/2023 11:13

It's quite simple to remove financial association

IamSmarticus · 04/08/2023 11:14

Your new DP will be financially linked to you, if you have anything like a joint account or a mortgage but as far as I know, he should not be linked to your ex-husband! I would contact the agencies and discuss it with them.

BarbaraofSeville · 04/08/2023 11:19

If you had financial associations with your ex in the last 6 years, they could still be on your credit file. Then if you have any financial associations (joint mortgage, current account) with your current DP, that could be enough to join them up.

But anything that's not been active in the last 6 years should drop off soon.

onefinemess · 04/08/2023 11:20

His credit is rating has dropped because he is associated with YOU. Not your ex.

How long have you and your ex been separated?

It takes six years for bad credit to drop off.

Do you and your ex still share credit or loan accounts?

Presumably you and your new partner have opened some joint credit or loan accounts, this is where the problem is.

There is almost no financial benefit to couples "sharing" finances.

Original poster
BarleySugars · 04/08/2023 11:23

I've been split from H for over 5yrs but divorced less, i've done all financial disocciations etc and he is cleansed from my record, but his address has popped up all over new DPs! We have a mortgage and joint account now but did this AFTER the push to cleanse the ex, as his association with me was preventing me getting a mortgage (or even credit card etc)

OP posts:
onefinemess · 04/08/2023 12:00

BarleySugars · 04/08/2023 11:23

I've been split from H for over 5yrs but divorced less, i've done all financial disocciations etc and he is cleansed from my record, but his address has popped up all over new DPs! We have a mortgage and joint account now but did this AFTER the push to cleanse the ex, as his association with me was preventing me getting a mortgage (or even credit card etc)

Ah, so it's not six years yet. That's the problem. And the six years is from the date of the account falling into arrears, not the date it was opened.

What do you mean by "popped up all over DP's? Where is the association mentioned?

Financial associations are listed specifically on reports.

Bottom line is that YOU are the problem. You are the association, not your ex. You are the reason for the link.

What was the credit issue with your ex?

What accounts did you share?

Who closed them?

There's not enough info for us to help you.

Original poster
BarleySugars · 04/08/2023 12:15

I have successfully purged ex from my own credit rating though, all the official channels, and it fixed it and i got the new mortgage and opened joint account with DP. It is only now that ex's address has popped up - DPs experian record now has ex's address all over it, you scroll down and there it is, over and over. Irony is its not even really HIS address, its his brother's place and he just lives there rent free 🙄

I never had a joint account or mortgage or rent with my ex, he was careful to keep me at arms length in a way, he just took everything i earned off me and ran up debt. We had a shared child benefit account and he made a universal credit claim against my will when we were married. That is now resolved, its been transferred solely into his name by hmrc and the financial disocciation done.

OP posts:
onefinemess · 04/08/2023 13:28

What you're saying doesn't really make sense.

Did your ex and you have joint account and did you default on any of them? I'd you did default, then you wouldn't be able to remove the default, and removing his association wouldn't help you.

I would suggest trying another service, try Call Credit or Clear Score, see if the records there are the same.

Again, what do you mean by "all over it"?

All over what? Where specifically is it listed, what's it in relation to? A loan? An account? What?

Janieforever · 04/08/2023 13:35

That’s hard to understand, did you live with your ex at rhe address popping up or use it in some way for banking or credit?

Original poster
BarleySugars · 04/08/2023 15:35

I did live at the address, i definitely did not have a joint account with the ex and i personally have never defaulted on anything.

DP was wondering why his rating has suddenly dropped (we havent really done anything credity since we got the mortgage a year ago) and when he looked at experian theres a few companies on there that seems to have done numerous credit checks on him since sept 2021 and linked him to my ex's address - the companies we now know are personal loan companies but we havent applied to them.

OP posts:
Shurleyknot · 04/08/2023 16:27

Has your ex tried to steal your partners identity?

Gazelda · 04/08/2023 16:31

Shurleyknot · 04/08/2023 16:27

Has your ex tried to steal your partners identity?

That's what I'm wondering ...

Original poster
BarleySugars · 04/08/2023 16:31

I'm worried that's what's happened, I don't feel like my ex is THAT dodgy, but then, i always did give him the benefit of the doubt and thats what got me in trouble 🤷

OP posts:
New posts on this thread. Refresh page