Debts in his name?

[brunette]

My partner, approx 3 years ago applied for a credit report from one of the main credit agencies. It came back with searches on that had not been done by my partner. Does this mean the person actually
got credit, or just tried to?

He disassociated himself from the person who applied for credit in his name.Would this automatically wipe out any debts that may have been taken out in his name? What would happen if the same person applied for credit after they were disassociated? He only did this with one of the credit companys. I'm worried he may have debts in his name

[brunette]

Surely something that appears to be such a big problem, someone must know something about what i think is identity fraud?

[redcrx]

why doesnt he check his credit report again now and then call the relevent credit agency with any queries that it may raise?

[brunette]

Yes i agree,im trying to get him to have a detailed credit report, but he gets defensive, think he would rather protect his ex, than put me first.

[bushbaby_de]

The question doesn't quite make sense - if some unknown person was trying to get credit in his name, how could he disassociate himself? Presumably you don't know who it was? You haven't possible forgotten something you bought - if you buy something from a catalogue or pay for furniture or something expensive in installments this will show up on your credit file, for example.

Your credit file shows searches as well as actual credit accounts. If only searches are showing up, you can be fairly confident there are no unauthorised debts in his name, although the searches themselves can affect your credit rating. I would suggest he gets a more up to date credit search done with all of the main credit checking agencies.

[boxtops]

I had a report some years back on my credit status and to my amazement it had information on it about a) a loan taken out by my ex-husband after we were divorced b) information about credit taken out by the people who bought my mother's house from her. Both these people were associated with me because I had lived at those addresses. I wrote very smartly to the credit reference people - there is a process to do this - explaining that these people were nothing to do with me, and the company removed them. Your other half needs to contact to the credit report company asking for a new report and if the wrong information is still on it, get it taken off. If I understand what's happened here, then the debts from other people won't be "in his name" but if they default then if they are still associated with him on the credit reports, his own credit rating could be affected.