My ex left in May 2006, leaving a lot of debt behind! I am still getting letters for him and have no idea where he is! I can't get any credit because of this and don't know how to go about getting him off this address! Seeing as he took my car and everything else of value I could do with a small loan or something! Help!
2007-07-15 00:04:49 · 6 answers · asked by Anonymous in Business & Finance ➔ Personal Finance
You have to call the 3 credit bureaus and tell them the problem. With proof they will remove it.
2007-07-15 00:10:27 · answer #1 · answered by Gengis 6 · 0⤊ 0⤋
First of all, if you have informed his creditors that he no longer lives at the address, they have a legal obligation, under the Data Protection Act, to keep their records up to date and relevant. If any creditor is being persistant, inform that creditor that unless they update their records, you will make a formal complaint to the Data Protection Commission. As they will be committing a criminal offence, they will update their records promptly. The second step is to obtain your records from the three Credit Reference Agencies (CRAs) and request that he is removed from your records as an associate. Inform the CRAs that they have a legal obligation to keep their records up to date and that unless he is removed from all association regarding both yourself and your address, you will make a formal complaint to the Data Protection Commissioner. As he is no longer resident at your address, you cannot be refused any form of credit due to his former association. They also cannot legally blacklist an address. The law is quite clear and only the person can be blacklisted for credit. However, a persons credit can be effected by those that are associated. Sadly, you will have to pay for your credit records (£10 x3 = £30) + all postal costs etc. but it will be worth it if it restores your credit. Good Luck!
2007-07-15 00:17:18 · answer #2 · answered by kendavi 5 · 0⤊ 0⤋
Information is recorded against an individual, not an address, so his bad record shouldn't affect you. I'd write to the three main credit agencies and obtain a copy of your file. Don't let them sting you for a big fee, the cost is fixed by law at £2 per report. You will need to quote your full name and all addresses you've lived at for 6 years. Also check that there are no joint borrowings that you had, if for example you had a joint overdraft that he incurred, you are still liable for the whole amount individually regardless of who spent it.
2007-07-15 05:39:08 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Go to a laywer. They should be able to give you some advice and what to do. My husband and I got divorced shortly after we filled bankruptcy. 97 percent of the debt was his on credit cards that he racked up gambling, drinking, and buying silly things. Both laywers I spoke to told me that it didn;t matter if I had my name removed from his credit cards he put into the banckruptcy that equaled out to about $35-$40 thousand and got divorced before it happened, the creditors would start coming after me for the money. So I was basically forced to file for bankruptcy with him, even though it was his mess and now I'm paying for his bad mistakes by having to pay double to triple in security deposite for rent, gas, and other things because of bad credit. This is definenitly one of the downs to being married. You get pay for the others mistakes and stupidity.
2007-07-15 00:16:21 · answer #4 · answered by Kourtney M 5 · 0⤊ 0⤋
Unless you had joint credit accounts it should not affect your credit rating. If it was joint then the only way to get rid of it is to pay it off or file bankruptcy. Even then it will take years to rebuild your rating.
2007-07-15 00:15:43 · answer #5 · answered by vickisbirdretreat 2 · 1⤊ 0⤋
credit rating is not based on an address. Credit ratiing is as individual as your ss number. If your name(signed for it) is on it you owe. if not you dont period.
2007-07-15 07:33:02 · answer #6 · answered by heybulldog 5 · 1⤊ 0⤋