my husband is using my name to get loans will it affect my credit score?

[eccmp]

my husband we are about to split.not just because hes abusive but he really manipulates people until he reaches his objective.i dont want any financial relations with him specially in new open business that he wants because hes not responsible enough.now i foun out that hes been using my name to get loans.what can i do?

[Oneeyedvic]

You need to get a copy of your credit reports from www.experian.co.uk and www.equifax.co.uk

From here, you will see any credit that is out in your name. If you have any credit taken out that is in your name but not taken out with your permission, you will need to get in touch with the loan compnay (details will be on the report).

You need to file a "notice of disassocaition" with the credit reference agencies. - this means that your husband's credit will no longer be associated with your own.

You will also probably need to contact the police and report your husband for fraud if he has taken out any loans without your permission.

If you have moved out / away, make sure that you have the post forwarded by royal mail. That way if any letters from any loan ompnaies come to you, you will obviously have them.

Hope this helps, and post back if you need any further info.

[gammaray]

This may sound like a silly question but how does your husband get a loan using your name? A loan company (at least a reputable one) will check his details against the electoral role, to check if he is actually living where he says he is. Regardless of the fact that this info can be 12 months old it will identify the gender of the occupants. This will throw up the fact that he is signing as a Mrs not a Mr..... surely?

[jason1980]

also who is signing the credit agreements for these loans? If he is signing them in your name it is fraud on his part...