Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.


What is Disassociation?

A Disassociation is used to remove a (usually harmful) financial association that was created by a joint account or a joint application. It is a form of credit slang and should be spelt ‘dissociation’, but ‘disassociation’ is more widely accepted, referring to the removal of third party data from a person’s credit report at the request of that person.

The quickest way to dissociate is to contact the Credit Reference Agencies and request that the association in question is removed. In the absence of finding any proof that there is still financial involvement, the details relating to the other persons will be removed from your credit reports at all three agencies.

Q: How long does disassociation take?

A: The process usually takes a month or two before all records held by the credit reference agencies are updated. After this time the credit history of the third party can no longer be taken into consideration by lenders assessing your Credit Report.

Q: Why get a dissociation?

A: If you open a credit account with another person, you establish a financial link with them. For the entire time that link exists, they will exist as a Financial Association on your Credit Report, which grants lenders the ability to search your association’s information when reviewing your credit application.

If your association has a good credit history this could work in your favour, but if they have adverse payment history, it can hinder your application. Financial associations do not drop off from your Credit Report after a set amount of time, they remain indefinitely until you ask to have them removed.

Q: How do I get a dissociation?

A: Provided there are no active credit agreements with your financial association, you can request a dissociation using your checkmyfile Credit Report.

If you haven’t already, you can try checkmyfile FREE for 30 days, then for just £14.99 a month afterwards, which you can cancel online at any time.

Jargon Buster

Use the links below and the resulting list of terms on the right to locate the term you are looking for. If you can't locate it, please get in touch.