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.

Financial Association

What is a Financial Association?

A Financial Association is created whenever you open a joint account, take out a joint loan with someone else or (in some cases) act as a guarantor for a loan or mortgage.

If you include your spouse’s name on a credit application, this will also create an association. A financial link to this person subsequently exists and will be shown on your Credit Report and remain even after the account is settled or closed, even if you get divorced.

Find out more about how financial associations can be dealt with during a divorce

Q: How do I remove a Financial Association from my Credit Report?

A: In order to remove a financial association you will need to contact the Credit Reference Agencies reporting it to request a disassociation - in the absence of finding any evidence that the account is still active, the details relating to the other persons will be removed from your credit reports at all three agencies within a month or two.

Remember: it is possible for more than one Credit Reference Agency to report a Financial Association as active, so it’s important to request a disassociation from each one reporting it. checkmyfile offer the UK’s most detailed Credit Report, with information from four Credit Reference Agencies, not just one. We are also able to request disassociations on your behalf.

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.