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Scottish Trust Deed Forum
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Topic starter
06/06/2013 7:06 pm
Hi, Just a general question. If I moved back to my parents house would my credit file have any effect on future loans my parents may take out (apply for). Also would an IP send my form 5 to their address if I moved or would I be better getting that first before the move?
06/06/2013 7:48 pm
Hi sparky1.
Only if you were financially associated with them via a joint financial arrangement of some sort.
Your IP will write to the current address that they hold for you.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
Topic starter
06/06/2013 7:58 pm
Thanks for your reply TDA.
No its all been my debt such as unsecured personal loan and visa card all in my own name.
07/06/2013 11:13 am
Hi TDA
I seem to remember there was a form of disassociation in the old days if there was any confusion over identity. Not sure if this is still relevant or not.
Mark
Mark is not posting regularly in the Trust-deed.co.uk forum.
07/06/2013 11:29 am
Hi Mark,
You can still complete a financial disassociation form with the credit reference agencies. I helped someone complete this recently with Experian and it's pretty straight forward. It can take a couple of weeks for the disassociation to be reflected on the credit file.
David is not currently posting in the Trust-Deed.co.uk forum
07/06/2013 1:32 pm
I think you can only do that if you are actually financially disassociated though.
For example, if you had a joint bank account or mortgage it's hard to see how you could deny a financial association.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds
