Can someone help me? Worried about credit report finding - anyone know what this means?

[Benji1998]

Someone I know has been added to my ClearScore credit report in March as a ‘financial association’. Does anyone know why this would be? I’m not financially associated with them in any way.

This sounds fishy. You’d normally only be financially associated with someone you have a mortgage with, have applied for a loan with, have a joint account with or something like that.
Who’s showing on your report and are there any more details?

I had it when my husband asked for a new credit card giving them details of both our incomes. They did a credit check on both of us even when I didn’t as for the card myself.

My sisters partner, has just been added as a financial associate in March. The only other financial associate I have is my other half. If credit was taken out, that would show on my report as well wouldn’t it? It says on ClearScore ‘Financial Association
The financial association Mr was added to your March report.’

Contact ClearScore and let them know you did not do this. This is possibly fraud. Don't wait for your sister's partner to take out a loan in your name!

It’s my sisters partner, if I phoned to ask what it is for, would they tell me? I need to dispute it anyway and have him taken off, I have nothing to do with him.

Wtf? I think you'll need to have a word with him.

Be sure that you DON'T ask your sister or her partner. Go straight to the credit reporting place.

This is really bad. No way is this a coincidence.

He’s used your name to get credit somewhere.

I don't think she should let on she knows his name is on her report. I think she should go straight to the reporting bureau. This sounds very fishy to me.

Have they somehow confused you with your sister? A clerical error of some kind?

Do you and your sister have similar names? Could it possibly be an error where it should have been put on her report?

They both start with an ‘S’. We live at different addresses and have different date of births etc, who do I need to contact?

I’m worried now. If I report it will they tell me what’s happened?

I’ll caveat this by saying I’m not an expert, but used to work at a different credit reference agency years ago.
This could mean your sisters partners credit history could impact yours.
You can contact the credit reference agency and request a disassociation with them. I’d look into that.
There might be an innocent explanation, but it’s definitely something I would look into.

That’s dodgy as fck! They may not tell you but I call them anyway and report it for fraudulent activity as, if you are “associated” with him, If he defaults you are liable for it and it will ruin your credit rating for moths if he does.

This can only happen if there's been a joint application for credit or you have a joint CCJ.

The application for credit doesn't need to have been approved for the link to be there...it may have been declined.

Go through each of your credit reports and look for recent hard credit searches. It will be in there somewhere if the application was declined.

Nope. The chancer would be giving any kind of excuses but would not do anything about it. If he was a honest person he wouldn’t have provided the details of someone he is not living with.

if you are “associated” with him, If he defaults you are liable for it

This is not true in any way.

It's potentially serious but no reason for hysterical misinformation 🙄

you need to file for financial dissociation...and do it with each of the main agencies...there are 3 from memory (experian, equifax and a 3rd which google will know!)

do you have a similar name to your sister...or same address history? could have applied it to you instead of her.

@Benji1998 best of Luck getting it sorted, I'd see if anyone's there tonight, if not tomorrow.

Definitely report it before letting on to your SiSter or her partner.

This is what it says.

This and report to credit agency. Tell them you dispute a financial association with this person.

Mortgage? Really? 🤯

A mortgage , hmm that seems odd. A loan maybe.

You are not a twin are you?

Have you lived at the same property as the partner in the past?

Nope, not a twin and not lived with him, don’t even see him