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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

AIBU to scared/worried by exes behaviour

21 replies

toody · 21/02/2011 20:52

I have been sepperated from ex just over 1 year we were not married. Two weeks ago i applied for a loan which was turned down due to poor credit rating don't know how this happened, this weekend went looking for a new car with parents have not told ex any of this. Tonight he texts asking if i have brought a new car recently i ask why he wont say, then texts saying Santander are good aren't they, this was who i applied for loan with. I don't know how he knows this i phoned loan company who said because we were a couple my credit rating would show on his is this right? also they said because of where he works he can see peoples credit ratings AIBU to be scared how he knows this and what else has he been checking on, what can i do to stop him.

OP posts:

twinkytonk · 21/02/2011 20:56

I'm not sure I would be scared but I would be extremely pissed off that he was able to see my stuff like that!
Yes because you were a couple it would show up on his.
Not sure what you can do about him being able to see your credit ratings through work.

wellwisher · 21/02/2011 20:58

I would report him to his work. He is abusing his position.

squeakytoy · 21/02/2011 21:00

I think you would have to contact Experian and Equifax, who are the credit checking agencies to get your name unlinked from his.

It may cost money, but I am sure it is possible to do.

If he has an account with either of them, he will have got an email saying that Santander had done a credit check, which is how he would have found out about it.

Although, if his job means he has access to these records, then do not delete those texts. They are proof that he has comitted gross misconduct by breach of confidentiality.

OmniaParatus · 21/02/2011 21:02

If he works for a credit reference or financial services company he could be in breach of his employment terms and conditions by using his access to credit references to check on your rating.

Keep any more texts he sends you and threaten to report him to his employers if he doesn't stop spying on you. If he doesn't, have no hesitation in reporting him, he is completely out of order. It is a sackable offence in many workplaces to breach your t&c's in this way, and if he has been doing this it would be totally deserved, it is nothing less than stalking.

OmniaParatus · 21/02/2011 21:03

Sorry squeaky x-posts!

squeakytoy · 21/02/2011 21:03

thats ok :) great minds etc..

scottishmummy · 21/02/2011 21:08

report unauthorised inappropriate use of restricted material to his manager.give explicit examples

Original poster

toody · 21/02/2011 21:17

I am scared/concerned what else he is checking on and can he change my details on credit rating.

OP posts:

GreenEyesandHam · 21/02/2011 21:21

I think he could possibly just be checking his OWN credit report, if you have had any 'linked' accounts then any credit lenders would check his report as well as yours when you applied.

These would show on his report

Original poster

toody · 21/02/2011 21:22

We have never had any credit together so would my name be linked to his, he works for job centre plus and loan company said that he could look into credit ratings through work.

OP posts:

GreenEyesandHam · 21/02/2011 21:23

He can't change any of your details. But it could well be his report that is stopping you getting credit

GreenEyesandHam · 21/02/2011 21:24

Joint accounts, previous applications (even if not taken out I think) things like that

GreenEyesandHam · 21/02/2011 21:26

Get hold of your credit report and have a look yourself- you can see who or what has searched it then :)

SoftKittyWarmKitty · 21/02/2011 21:32

As you've split up, get yourself financially disassociated from him. I did this when I split from my ex as he had loads of debt that I didn't want to affect my credit rating. All you do is send off for your credit record from Experian and Equifax, then go through it and write to tell them exactly what you need his name removing from. You may have to fill in a couple of forms but that will be it.

I would ignore the texts (i.e. don't reply) but keep them in case you need proof that he's looking up your info. And definitely contact his employer - I'm sure he'd be in breach of his contract due to the breach of confidentiality.

Meow75 · 21/02/2011 21:34

If you lived together then you will show up on his credit check, and vice versa.

When we had credit checks done before we bought our house, and DH had had his M&D's house as his postal address once he joined the RAF, that was his previous address, and we got details about his older sister.

I couldn't believe how inappropriate that was.

GreenEyesandHam · 21/02/2011 21:35

I really don't think she should contact his employer until she's checked her own record, he sounds a right knob but she doesn't actually know he's been snopping throuh HER record yet

SoftKittyWarmKitty · 21/02/2011 21:36

Just seen that you've not had any joint financial products together but if you lived together you'll be linked through having shared an address. Get hold of your credit record pronto to check. You can access it online - there's info on MSE about credit records and improving your credit rating, so have a look on there.

GreenEyesandHam · 21/02/2011 21:36

'snopping' :o ha love it

tigerchilli · 21/02/2011 21:46

If he works for the JCP and he is accessing anyone's details which lie outside of his remit then it is classed as gross misconduct. This is a sackable offense.

Underachieving · 21/02/2011 22:33

There are 3 credit reference agencies in the UK

Experian
Equifax
Call Credit

You need to get your file from all three of them. Don't be tempted to just get one or two, get the lot (they usually don't all have the same thing on, believe it or not). This can often be done for free online (print them off) or for £2 by following the links for a "stautory report". If you see things like "£9.50 a month for unlimited access to your file" ignore it, it's not required.

Then on the files it will say if you are financially linked to anyone. You are expecting to see him there. If you do you can apply for a notice of correction to be added. This sounds intimidating because it's jargon, all it really means is you write and say that you broke up a year ago.

You will also be able to see what searches have been done (who has looked at it) and with which credit reference agency or agencies.

So after you've seen the file, got the correction done your next step is to report him for gross misconduct if he has checked your file specifically.

The thing is he might not have checked your specifically, he might have checked his and seen yours because of an outstanding link and decided to tease you a bit. But if he has actually checked yours go get him, he is totally out of order.

It's not just at JCP that this would be gross isconduct, it would be gross misconduct in any job where you have access to otherwise confidential information entrusted to you as part of your role.

Underachieving · 21/02/2011 22:37

By the time you've read this article you should know everything you'll ever need to about credit files.

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