News5 mins ago
clear bad credit
2 Answers
can anyone tell me how i can clear previous owners of my propertys bad debt as it is affecting me obtaining credit?
Answers
1 to 2 of 2
Best Answer
No best answer has yet been selected by Saw123. Once a best answer has been selected, it will be shown here.
For more on marking an answer as the "Best Answer", please visit our FAQ.
Hi SAW123
Can you eloborate please???
From the sounds of it somebody has told you that if you have has previous tenants / owners with bad credit - this will affect you!
Well the truth is as far as credit reference agencies go - there is NO such thing as a blacklist. --- fact (ref:- experian.co.uk)
What they do check for is your SURNAME + POSTCODE. (Now if these match-then you might need to clarify that you are ABC XYZ and not CAB XYZ - if this is affecting your credit file. Again this is VERY VERY unlikely)
On the other hand if YOU jave bad debit - then....that's a different ball-game.
Finally - you aint got to clear anyones debt. - You aint there fairy god father/mother are you???
Hope this helps
Can you eloborate please???
From the sounds of it somebody has told you that if you have has previous tenants / owners with bad credit - this will affect you!
Well the truth is as far as credit reference agencies go - there is NO such thing as a blacklist. --- fact (ref:- experian.co.uk)
What they do check for is your SURNAME + POSTCODE. (Now if these match-then you might need to clarify that you are ABC XYZ and not CAB XYZ - if this is affecting your credit file. Again this is VERY VERY unlikely)
On the other hand if YOU jave bad debit - then....that's a different ball-game.
Finally - you aint got to clear anyones debt. - You aint there fairy god father/mother are you???
Hope this helps
Easy enough. You go online or contact the relevant agencies (usually Experian or Equifax - and download/request a Notice of Disassociation. List the names of the people you want removed from your credit register, sign the disclaimer and that should be enough.
Occasionally, there might be a query, but it's unlikely.
Good luck.
Occasionally, there might be a query, but it's unlikely.
Good luck.
1 to 2 of 2
