Credit "dissociation" ??
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I will need to apply for credit to help pay off my sister and her fiancées wedding present, which I’ll be buying around the start of April so it arrives in time. I, personally, have no credit problems - I’ve never been in debt – but as up till now I have always paid off all purchases and bills up front and in full I don’t have a credit history that can be taken into account by the semi computer-literate forty-something woman at some agency who will be stamping “approved” or “denied” on my application. To make matters worse my father’s previous company got him into a lot of personal debt, and due to matters totally outside of any of our control (i.e. the theft of our house and business) he has also been bankrupted twice. The reason this make matters worse is that he is Mr. A D Wulff and I am Mr. D J Wulff, and as we are both living in my others house he appears exclusively on my credit report. All I get is a “last address” mention. :mad: Reading the little “help” (sic) booklet that comes with the report doesn’t seem to mention much about how I can get this sorted out – it is diabolical that his past standings should have any affect on me as I have never had any financial dependence on him apart from during my childhood (which I suspect is common to most families seeing as babies can’t work by law). I have been financially independent for a good thirty months or so now, and I’d only be applying for a basic interest-free six month plan which would be settled in full in two (I abhor the idea of being in debt even for that first month, but I can’t move my sister’s wedding around my life, I’m not willing to skimp on the gift, and I will not dip into my savings under any circumstances - they are for my future not theirs). Anyway, in the booklet it very briefly mentions "dissociation" which sound like what I want, but that is all it says. It doesn’t mention how I go about it; it doesn’t even go into enough detail to explain if "dissociation" is indeed what I would need. Obviously what I want to do is get the various agencies to remove all of my fathers details from my record, and prevent them from appearing on searches where IMO they have no place to be in the first place. Has anyone been though this before who would care to enlighten me? I dare anyone to say “search”, because all I’ve been getting is those damned credit fixing “companies”, which are all worthless cons – I don’t want to get out of debt, I want to get in it damnit! :rolleyes:
Well, seeing as you are in the UK, I probably can't help you much with advice, but this is what I've been told in the US (my social security # was used by an illegal alien once). First, contact the major credit reporting agencies by writing them a formal letter disputing their evaluation. Point out the problem and get it corrected. Second, get a mailing address for yourself that's different, as it helps to disassociate yourself from your father, and use that as the address for all your banking--checking, savings, etc. I assume you have something like "post office box blah-blah-blah" in the UK? Fourth, start by getting a department store credit card. This is usually pretty easy to get (here in the US) and you just have to keep it active by making one purchase a year. Fourth, and probably most importantly, speak directly with the bank manager where you have your checking account, or identify the person that can circumnavigate the automatic approval process. Explain the situation, etc. Even in this day and age, it's amazing what you can get done when you talk to the right person. I don't know if that'll help, but what the heck. Marc Help! I'm an AI running around in someone's f*cked up universe simulator.
Sensitivity and ethnic diversity means celebrating difference, not hiding from it. - Christian Graus
Every line of code is a liability - Taka Muraoka
Microsoft deliberately adds arbitrary layers of complexity to make it difficult to deliver Windows features on non-Windows platforms--Microsoft's "Halloween files" -
I will need to apply for credit to help pay off my sister and her fiancées wedding present, which I’ll be buying around the start of April so it arrives in time. I, personally, have no credit problems - I’ve never been in debt – but as up till now I have always paid off all purchases and bills up front and in full I don’t have a credit history that can be taken into account by the semi computer-literate forty-something woman at some agency who will be stamping “approved” or “denied” on my application. To make matters worse my father’s previous company got him into a lot of personal debt, and due to matters totally outside of any of our control (i.e. the theft of our house and business) he has also been bankrupted twice. The reason this make matters worse is that he is Mr. A D Wulff and I am Mr. D J Wulff, and as we are both living in my others house he appears exclusively on my credit report. All I get is a “last address” mention. :mad: Reading the little “help” (sic) booklet that comes with the report doesn’t seem to mention much about how I can get this sorted out – it is diabolical that his past standings should have any affect on me as I have never had any financial dependence on him apart from during my childhood (which I suspect is common to most families seeing as babies can’t work by law). I have been financially independent for a good thirty months or so now, and I’d only be applying for a basic interest-free six month plan which would be settled in full in two (I abhor the idea of being in debt even for that first month, but I can’t move my sister’s wedding around my life, I’m not willing to skimp on the gift, and I will not dip into my savings under any circumstances - they are for my future not theirs). Anyway, in the booklet it very briefly mentions "dissociation" which sound like what I want, but that is all it says. It doesn’t mention how I go about it; it doesn’t even go into enough detail to explain if "dissociation" is indeed what I would need. Obviously what I want to do is get the various agencies to remove all of my fathers details from my record, and prevent them from appearing on searches where IMO they have no place to be in the first place. Has anyone been though this before who would care to enlighten me? I dare anyone to say “search”, because all I’ve been getting is those damned credit fixing “companies”, which are all worthless cons – I don’t want to get out of debt, I want to get in it damnit! :rolleyes:
Here in NZ your father would be considered responsible for your debts up until 21 or in some cases 25. So I doubt that a child of an undischarged bankrupt would be able to get credit as well staight off. And if they did the debt would probably be unrecoverable. Regardz Colin J Davies
Sonork ID 100.9197:Colin
I'm guessing the concept of a 2 hour movie showing two guys eating a meal and talking struck them as 'foreign' Rob Manderson wrote:
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I will need to apply for credit to help pay off my sister and her fiancées wedding present, which I’ll be buying around the start of April so it arrives in time. I, personally, have no credit problems - I’ve never been in debt – but as up till now I have always paid off all purchases and bills up front and in full I don’t have a credit history that can be taken into account by the semi computer-literate forty-something woman at some agency who will be stamping “approved” or “denied” on my application. To make matters worse my father’s previous company got him into a lot of personal debt, and due to matters totally outside of any of our control (i.e. the theft of our house and business) he has also been bankrupted twice. The reason this make matters worse is that he is Mr. A D Wulff and I am Mr. D J Wulff, and as we are both living in my others house he appears exclusively on my credit report. All I get is a “last address” mention. :mad: Reading the little “help” (sic) booklet that comes with the report doesn’t seem to mention much about how I can get this sorted out – it is diabolical that his past standings should have any affect on me as I have never had any financial dependence on him apart from during my childhood (which I suspect is common to most families seeing as babies can’t work by law). I have been financially independent for a good thirty months or so now, and I’d only be applying for a basic interest-free six month plan which would be settled in full in two (I abhor the idea of being in debt even for that first month, but I can’t move my sister’s wedding around my life, I’m not willing to skimp on the gift, and I will not dip into my savings under any circumstances - they are for my future not theirs). Anyway, in the booklet it very briefly mentions "dissociation" which sound like what I want, but that is all it says. It doesn’t mention how I go about it; it doesn’t even go into enough detail to explain if "dissociation" is indeed what I would need. Obviously what I want to do is get the various agencies to remove all of my fathers details from my record, and prevent them from appearing on searches where IMO they have no place to be in the first place. Has anyone been though this before who would care to enlighten me? I dare anyone to say “search”, because all I’ve been getting is those damned credit fixing “companies”, which are all worthless cons – I don’t want to get out of debt, I want to get in it damnit! :rolleyes:
Hi David, it appears to me like you have got your credit file from http://www.experian.co.uk or http://www.equifax.co.uk. Am I right? The best advice is to give them a ring and ask your questions directly. They are very helpful. You can also find some information at their web sites. 'dissociation' means that you will provide notice (in writing) which will be added to your credit file where you will explain that you are not in financial relation with persons living at the same address. Unfortunately if you have not got any credit card or loan yet, then you have no credit history and that's as bad as you would have 'bad' credit history. If you need credit card, try to apply for it at your bank where you are running you current account. I also found AMEX, MBNA and The Associates quite useful. Martin -------------------------------------------- C'mon we all know computers are experimental devices and should only be used for playing games. Using them for alternative stuff like business, is clearly not using them for what they are intended. Colin Davies
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Well, seeing as you are in the UK, I probably can't help you much with advice, but this is what I've been told in the US (my social security # was used by an illegal alien once). First, contact the major credit reporting agencies by writing them a formal letter disputing their evaluation. Point out the problem and get it corrected. Second, get a mailing address for yourself that's different, as it helps to disassociate yourself from your father, and use that as the address for all your banking--checking, savings, etc. I assume you have something like "post office box blah-blah-blah" in the UK? Fourth, start by getting a department store credit card. This is usually pretty easy to get (here in the US) and you just have to keep it active by making one purchase a year. Fourth, and probably most importantly, speak directly with the bank manager where you have your checking account, or identify the person that can circumnavigate the automatic approval process. Explain the situation, etc. Even in this day and age, it's amazing what you can get done when you talk to the right person. I don't know if that'll help, but what the heck. Marc Help! I'm an AI running around in someone's f*cked up universe simulator.
Sensitivity and ethnic diversity means celebrating difference, not hiding from it. - Christian Graus
Every line of code is a liability - Taka Muraoka
Microsoft deliberately adds arbitrary layers of complexity to make it difficult to deliver Windows features on non-Windows platforms--Microsoft's "Halloween files"Marc Clifton wrote: I assume you have something like "post office box blah-blah-blah" in the UK We do, but I seriously doubt that would do anything but make things more difficult - private individuals don't use anonymous mailing adressess unless they are doing something questionable. It wouldn't make any difference anyway - they check *every* residence you have held in the past three or six years (I forget which) and factor in the financial standing of anyone associated with any of those too. You can be denied credit if a flat mate you had for one month was a month two years ago was late paying their mobile phone bill (though I should hope that it would only take a phone call to sort it out). Thanks for the rest though, I'll try and make a phone apointment with my bank advisor.
David Wulff
"David Wulff can't live without me, so you shouldn't either" - Paul Watson
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Here in NZ your father would be considered responsible for your debts up until 21 or in some cases 25. So I doubt that a child of an undischarged bankrupt would be able to get credit as well staight off. And if they did the debt would probably be unrecoverable. Regardz Colin J Davies
Sonork ID 100.9197:Colin
I'm guessing the concept of a 2 hour movie showing two guys eating a meal and talking struck them as 'foreign' Rob Manderson wrote:
That is ludicrous - you should be considered financially independant as soon as you start earning a livable income (in the UK that is anything over £42.70 a week). At the very minimum if the person is still a minor it should not continue past their "legal adulthood". If I ever catch up with those bastards who stole our house and our so-called family lawyer who helped them, I am going to cut their fucking balls off and drown them in their own semen. :mad: :mad:
David Wulff
"David Wulff can't live without me, so you shouldn't either" - Paul Watson
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Hi David, it appears to me like you have got your credit file from http://www.experian.co.uk or http://www.equifax.co.uk. Am I right? The best advice is to give them a ring and ask your questions directly. They are very helpful. You can also find some information at their web sites. 'dissociation' means that you will provide notice (in writing) which will be added to your credit file where you will explain that you are not in financial relation with persons living at the same address. Unfortunately if you have not got any credit card or loan yet, then you have no credit history and that's as bad as you would have 'bad' credit history. If you need credit card, try to apply for it at your bank where you are running you current account. I also found AMEX, MBNA and The Associates quite useful. Martin -------------------------------------------- C'mon we all know computers are experimental devices and should only be used for playing games. Using them for alternative stuff like business, is clearly not using them for what they are intended. Colin Davies
I sent off for mine, but yeah I got it from Experian. I tried their web site and got no where (all the FAQ's are how to get out of debt when the people are actually in debt, not when they just need to get their records fixed). Martin Ziacek wrote: 'dissociation' means that you will provide notice (in writing) which will be added to your credit file where you will explain that you are not in financial relation with persons living at the same address. Cool, thanks for the explanation, that does sound like what I need. Martin Ziacek wrote: If you need credit card, try to apply for it at your bank where you are running you current account Is that a must? I ask because I really don't want to get a credit card - even if I don't use it - unless my life depends on it. I have a Visa debit card with my bank which does everything except borrow other people's money against my name. It's stupid - I work my arse off to be financially independant and yet now I literally can't spend the money. :wtf: !!
David Wulff
"David Wulff can't live without me, so you shouldn't either" - Paul Watson
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I sent off for mine, but yeah I got it from Experian. I tried their web site and got no where (all the FAQ's are how to get out of debt when the people are actually in debt, not when they just need to get their records fixed). Martin Ziacek wrote: 'dissociation' means that you will provide notice (in writing) which will be added to your credit file where you will explain that you are not in financial relation with persons living at the same address. Cool, thanks for the explanation, that does sound like what I need. Martin Ziacek wrote: If you need credit card, try to apply for it at your bank where you are running you current account Is that a must? I ask because I really don't want to get a credit card - even if I don't use it - unless my life depends on it. I have a Visa debit card with my bank which does everything except borrow other people's money against my name. It's stupid - I work my arse off to be financially independant and yet now I literally can't spend the money. :wtf: !!
David Wulff
"David Wulff can't live without me, so you shouldn't either" - Paul Watson
David Wulff wrote: I sent off for mine, but yeah I got it from Experian. I tried their web site and got no where (all the FAQ's are how to get out of debt when the people are actually in debt, not when they just need to get their records fixed). I think the best way to get information is to give them ring. I found info at their web site useful, but still needed to speak to them. David Wulff wrote: Is that a must? Yes, it is. I think that's the one and only way how you will show you are able to pay off your debts and other creditors believe that you are responsible in borrowing. Credit cards cost usually nothing (except few such as AMEX) and if you will pay off your balance in full each month then you will not pay any interest. If I understood properly: your credit file is almost empty - it does not show any cards, borrowings etc. Then nobody can guess how are you like in borrowing. And then there are many more things to consider: age, marital status, your job, how long have you been in current job, how long have you been living on current address, are you listed within electoral roll for your address etc. You can get clue how your credit score is worked out here: http://www.checkmyfile.com Martin -------------------------------------------- C'mon we all know computers are experimental devices and should only be used for playing games. Using them for alternative stuff like business, is clearly not using them for what they are intended. Colin Davies
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I sent off for mine, but yeah I got it from Experian. I tried their web site and got no where (all the FAQ's are how to get out of debt when the people are actually in debt, not when they just need to get their records fixed). Martin Ziacek wrote: 'dissociation' means that you will provide notice (in writing) which will be added to your credit file where you will explain that you are not in financial relation with persons living at the same address. Cool, thanks for the explanation, that does sound like what I need. Martin Ziacek wrote: If you need credit card, try to apply for it at your bank where you are running you current account Is that a must? I ask because I really don't want to get a credit card - even if I don't use it - unless my life depends on it. I have a Visa debit card with my bank which does everything except borrow other people's money against my name. It's stupid - I work my arse off to be financially independant and yet now I literally can't spend the money. :wtf: !!
David Wulff
"David Wulff can't live without me, so you shouldn't either" - Paul Watson
David Wulff wrote: Cool, thanks for the explanation, that does sound like what I need. Have you seen this: http://www.equifax.co.uk/consumer/inacinfo.htm Martin -------------------------------------------- C'mon we all know computers are experimental devices and should only be used for playing games. Using them for alternative stuff like business, is clearly not using them for what they are intended. Colin Davies
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That is ludicrous - you should be considered financially independant as soon as you start earning a livable income (in the UK that is anything over £42.70 a week). At the very minimum if the person is still a minor it should not continue past their "legal adulthood". If I ever catch up with those bastards who stole our house and our so-called family lawyer who helped them, I am going to cut their fucking balls off and drown them in their own semen. :mad: :mad:
David Wulff
"David Wulff can't live without me, so you shouldn't either" - Paul Watson
David Wulff wrote: If I ever catch up with those bastards who stole our house and our so-called family lawyer who helped them, I am going to cut their f***ing balls off and drown them in their own semen. I think we'll pass on the usual after-event pictures this time. ;) Seriously though Dave, I hope you do catch up with them. Good luck. :rose: Anna :rose: www.annasplace.me.uk
"Be yourself - not what others think you should be"
- Marcia GraeschTrouble with resource IDs? Try the Resource ID Organiser Add-In for Visual C++
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David Wulff wrote: Cool, thanks for the explanation, that does sound like what I need. Have you seen this: http://www.equifax.co.uk/consumer/inacinfo.htm Martin -------------------------------------------- C'mon we all know computers are experimental devices and should only be used for playing games. Using them for alternative stuff like business, is clearly not using them for what they are intended. Colin Davies
Thanks for both of them. :)
David Wulff
"David Wulff can't live without me, so you shouldn't either" - Paul Watson
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David Wulff wrote: If I ever catch up with those bastards who stole our house and our so-called family lawyer who helped them, I am going to cut their f***ing balls off and drown them in their own semen. I think we'll pass on the usual after-event pictures this time. ;) Seriously though Dave, I hope you do catch up with them. Good luck. :rose: Anna :rose: www.annasplace.me.uk
"Be yourself - not what others think you should be"
- Marcia GraeschTrouble with resource IDs? Try the Resource ID Organiser Add-In for Visual C++
Anna-Jayne Metcalfe wrote: I think we'll pass on the usual after-event pictures this time. I was too harsh anyway, so I appologise to anyone who was offended by my remark - that would be a waste of good semen. :| Anna-Jayne Metcalfe wrote: Seriously though Dave, I hope you do catch up with them. Even if we did we wouldn't be able to do a flippin' thing about any of it. It we were to physically or verbally touch them we'd be done for either assualt or slander, and we can't fight them in the courts - that's how the first bankruptcy came along after the legal aid stopped and my parents sold almost every possession they had (and very nearly their souls) to fight on their own. The problem is if your lawyer forges documents who is there too proove that they are forged? Lawyer's take exams which make them untouchable to anyone but another lawyer, and even then most wont touch it because it could end their own careers on the tip of a hat. No, we will never do anything about it, legally or otherwise; it's been chalked up as one of life's great unfairnesses, a punch in the face for doing things by the book. But that doesn't stop me wishing for five minutes alone with them in a sound proof room armed only with a razor blade and a pair or tweezers - twelve years later and those bastards are still costing us money. They effectively killed my dad (it wasn't just the house or the business, they were mere possessions, it was the lifestyle that mattered the most) and now they are doing the same to me, merely because I happen to share the same name as him?! What the fuck has this country come to?! :mad:
David Wulff
"David Wulff can't live without me, so you shouldn't either" - Paul Watson
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Anna-Jayne Metcalfe wrote: I think we'll pass on the usual after-event pictures this time. I was too harsh anyway, so I appologise to anyone who was offended by my remark - that would be a waste of good semen. :| Anna-Jayne Metcalfe wrote: Seriously though Dave, I hope you do catch up with them. Even if we did we wouldn't be able to do a flippin' thing about any of it. It we were to physically or verbally touch them we'd be done for either assualt or slander, and we can't fight them in the courts - that's how the first bankruptcy came along after the legal aid stopped and my parents sold almost every possession they had (and very nearly their souls) to fight on their own. The problem is if your lawyer forges documents who is there too proove that they are forged? Lawyer's take exams which make them untouchable to anyone but another lawyer, and even then most wont touch it because it could end their own careers on the tip of a hat. No, we will never do anything about it, legally or otherwise; it's been chalked up as one of life's great unfairnesses, a punch in the face for doing things by the book. But that doesn't stop me wishing for five minutes alone with them in a sound proof room armed only with a razor blade and a pair or tweezers - twelve years later and those bastards are still costing us money. They effectively killed my dad (it wasn't just the house or the business, they were mere possessions, it was the lifestyle that mattered the most) and now they are doing the same to me, merely because I happen to share the same name as him?! What the fuck has this country come to?! :mad:
David Wulff
"David Wulff can't live without me, so you shouldn't either" - Paul Watson
I know hun. I just wish I could do something to help. :( Anna :rose: www.annasplace.me.uk
"Be yourself - not what others think you should be"
- Marcia GraeschTrouble with resource IDs? Try the Resource ID Organiser Add-In for Visual C++