Disassociation on credit file...

[no money eva]

Me and OH are spliting married for 11yrs together for 15yrs. He has default payments on his credit file as he has DMP for 2 creditors Capital One £8k and Moorcroft £800. If he disassociates with me on his credit file, I presume his credit history will be a lot better. Am i right in thinking this, and if so does anyone have a draft letter.

Thanks

[kallis3]

Hi nomoneyeva,

Sorry to hear that you and OH are splitting.

If he has defaults and a DMP, then disassociating himself from your record will only make his credit record slightly better (can't remember if you are in an IVA or not - brain cells dying off, old age!)
.
The defaults will still remain and he is presumably going to still be doing DMP? If so, then his record won't be good until he has finished paying them off and the defaults drop off, which is at least 6 years from the date of them being registered.

There are some template letters on the right hand side of the page, don't know if the one you are looking for is on there.

[Wizzard]

Hi Eva
Sorry to hear about the split ... re the template letters ... they are on the LEFT hand side of the page, which as we all know is Kalli's right ...(its her age you know)[:D][:D]

[no money eva]

Thanks for that, I am in an IVA kallis only since April.

There doesnt seem to be a template for disassociation on credit file.

Thanks for your support, again!!

[TheMatrix]

Could not see anything in the templates section about disassociation but the booklet no credit would be worth getting hold of.

I've found a pdf version on the internet you could download from here

http://www.tradingstandards.gov.uk/fife ... credit.pdf

[Viki.W]

Hey no money eva, I'm so sorry about the split, I hope you're ok. Here is a list of the credit agencies if it's any help.

Experian Limited www.experian.co.uk 0870 241 6212
Consumer Help Service
PO Box 8000
Nottingham
NG80 7WF

Equifax www.equifax.co.uk 08705 143 700
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US

Callcredit PLC www.callcredit.co.uk 0870 060 1414
Consumer Services Team
PO Box 491
Leeds
LS1 1WZ

[Skippy]

Hi No Money Eva, I can't add anything to what the others have said, but I wanted to say how sorry I am that you and your OH are splitting x

[kallis3]

Ray - it was early and I was about to go to work - that's my story and I'm sticking to it!!!!!![:D][:D][:D]

[Soulgrowth]

Sorry to hear about the split NME ... hope you are ok.

Debbie