Print This FAQ Page

 Other people's information on your report

You are here:  FAQ Home > About info > Other people


Why does my report contain information about other people?
return to top

Your credit report only includes financial information about you. If your report contains information from CIFAS - the UK's Fraud Prevention Service, it is possible that other names are shown here. For more information about CIFAS, Click here to visit the CIFAS web site at www.cifas.org.uk

Lenders may see the names of other people who are registered to vote at your addresses and financial information about other people who share a financial connection with you. They may use this to help them decide whether to give you credit. If you are financially linked to someone else, the name of this person will appear on your credit report under the Association section. If you believe that somebody else's credit report has caused a lender to refuse you credit, you may wish to ask that other person to get a copy of their own credit report. However, they do not have to do so nor do they have to show you their credit report.

If your credit report shows a financial connection that is no longer correct, you can ask us to remove it in the following ways.

Please always provide us with your full name and the full name of the person you want to be disassociated from, plus dates of birth, your relationship to that person, and any addresses you have shared. 517


What are aliases and how are they created?
return to top

An alias is any other name you have been known by. As a result any financial information in these names appears on your report. We create aliases from the information you give to lenders, information you give to us, or from the public records. Your report will also show you how we know about the other name. 566


What is an association and how are they created?
return to top

An association shows that you have a financial connection with someone else. This is created by joint judgments, joint accounts, joint credit applications, or from information you gave to us or to lenders. Associations are not created for business partners. The name of the person you have a financial connection with will appear on your credit report, but the financial information about them will not. Your credit report will only show information about you.

Lenders can see financial information about anyone you are financially connected to and may take account of this when you apply for credit. If you believe that somebody else's credit report caused a lender to refuse you credit, you may wish to ask that other person to request a copy of their own credit report. However, they do not have to do so nor do they have to show you their credit report.

If your credit report shows a financial connection that is no longer correct, you can ask us to remove it in the following ways.

Please always provide us with your full name and the full name of the person you want to be disassociated from, plus dates of birth, your relationship to that person, and any addresses you have shared. 1016


Can I get other people's financial information removed from my credit report?
return to top

If you are not financially connected to other people shown on your report you can ask us to remove their information from your report. This is called a financial disassociation. We cannot do this if you still live at the same address and share a financial link e.g. joint account. If your credit report shows a financial connection that is no longer correct, you can ask us to remove it in the following ways.

Please always provide us with your full name and the full name of the person you want to be disassociated from, plus dates of birth, your relationship to that person, and any addresses you have shared.

We advise you to also contact the other two UK credit reference agencies for a copy of the information they hold, as it is not necessarily the same. Click here for contact information for other credit reference agencies. 518


What does a financial disassociation do?
return to top

Once a disassociation has been created, lenders requesting your report no longer see details of the disassociated family member or members. We will also notify the other agencies of the disassociation. Click here for information about requesting financial disassociations. 519


What should I do if I never had a financial connection with a person on my report?
return to top

Let us know and we may be able to remove their information. You need to tell us the full name of the other person, their date of birth and current address and you relationship to them. Click here for information about requesting financial disassociations. 565


I'm separated from my partner. Can our finances be separated?
return to top

We may be able to remove their information from your credit report, providing you have been living apart for six months or more. Click here for more information about requesting financial disassociations.

We may need additional information along with your financial connections questionnaire. 899


I'm divorcing my partner. How will this affect my credit report?
return to top

We produce a series of leaflets to help you cope with the difficulties that may arise when you reach a "credit crossroads" in your life. Click here for helpful credit advice during a divorce and separation. 917


Can I get my former partner's details removed from my report if we share a joint account?
return to top

Unfortunately not. As you have a current financial connection, the details relating to your partner remain on your report until all joint financial commitments have ended. You can, however, add a short explanatory statement to your report (explaining the details or circumstances around the connection). This is called a 'Notice of Correction'. Click here for information about adding a Notice of Correction.

If the only financial connection you have is a joint mortgage, we can create a disassociation between you and your ex-partner, providing you no longer live together. Click here for information about applying for disassociations. 520


Why aren't the other people at my address shown on the electoral roll?
return to top

Your credit report only shows information about you. If other people are recorded on the electoral roll at your address, we will hold this information and lenders will be able to see this if it is relevant to a credit application they receive. 539


Do other people who have lived at my address affect my credit rating?
return to top

Your credit report will only contain information about you. It will also show the name of anyone you share a financial connection with. Lenders will see the financial information in these other names and may use this when making a lending decision. If you believe that information in another name has caused a lender to refuse you credit, you may wish to ask the other person to request their credit report but they do not have to nor do they have to show you their credit report.

If your credit report shows a financial connection that is no longer correct, you can ask us to remove it in the following ways.

Please always provide us with your full name and the full name of the person you want to be disassociated from, plus dates of birth, your relationship to that person, and any addresses you have shared. 784