Hi upstream.

I suspect there's no issue here. Credit ratings are individual things, not address related.

Did you have any joint accounts?

Unfortunately, we did. 2 joint current accounts with overdrafts that were part of the Trust Deeds, a joint mortgage with a shortfall after a repossession, and a secured loan that became unsecured after the repossession.

Do you ever review your credit record upstream?

I'm wondering whether you're already financially associated.

If not, then I can't see how an application for credit from your address (that isn't a joint application) could cause any issues for you in terms of your access to credit.

On Noddle, there is a connection with her by IDEM Capital Securities from 2002 when we originally bought a house together; however, the 'confirmed' date by Noddle is Nov 2014 which is when my trustee discharged themselves, 4 months after my TD ended and I was discharged. Does that connection have any implications? Also, will I have to wait until 2020 before that connection disappears on Noddle? My TD is due to fall off my credit file in November this year!

I'm really not sure upstream - while you tend to pick up information about credit files and ratings in this job I've never had any training in respect of more exactly how they work.

The point regarding financial associations is that they don't affect your credit rating/score.

However, if you make an application for credit the lender might notice that you have a financial association with someone else. They might then review that persons credit file as well before making a lending decision.

That makes sense really, a household could be in very serious financial difficulty even if one partner had no debts and a great credit rating.

What I don't know is whether the association you mention does (currently) flag up when you make an application for credit.

Hi Upstream

I cannot answer specifically the questions you raised about the previous connection and the current implications.

However, I can give you an example where my credit file showed my ex husband and I had a financial association through a Lloyds Bank account that was still active even though it was closed around 18 years ago. Although they amended the link to my ex, the account shows for 6 years from date of 'closure' which was 2-3 years ago.

So, it is likely that yours will show for the six years, unless you can provide them with a reason for removing it.

I really do not know what the implications are financially for you other than they may do a search on her at the same time.

From a personal view, I would not have allowed her to register anything at all your address - even for convenience (driving licence). You are trying to get the connection removed and this would seem to me to potentially be complicating matters.

Is it permissible / legal to declare an address for a driving licence when that is not a truthful address?

Is it acceptable to use a false address to obtain money card (thin end of the wedge to credit card)?

If she is registered for driving licence, does that mean you have to declare her for Council Tax purposes? How can she be registered for driving licence and not as living there for council tax. If you argue the case she does not live there, did you help her to make a false declaration to get the driving licence? (the same question also applies to credit applications).

So many government bodies are linked now that I would not want any connection. As I said, my own personal opinion. I am not standing in your shoes.

Seems from your posts, she wants it all her way and is going ahead with it, irrespective of your feelings and the feelings of your partner; and indeed any potential implication longer term.

When I read what she was doing, warning bells rang loudly. Again, only my personal opinion on the matter and taking emotions and behaviours into account.

Having worked so very hard to sort the Trust Deed and reclaim a good credit record, I would not have anyone threaten that again. But, that's me.

Thanks for your thoughts, Firewalker. She will be back in the country in a couple of weeks, leaving my boys with me until September while she sets everything up in England; job/house/school-wise. A letter addressed to her c/o my name came through the door yesterday! I was not best pleased about that and made my feelings known. Turns out it was her Disclosure paperwork (I Googled the return address). I have a solemn promise that any of these firms writing to her will be informed of her English address once she gets back in the country. Apparently, her new employer is in the process of arranging her temporary accommodation at the moment.

I am not sure on the legalities of using my address for her driving licence and pre-paid credit cards. However, I will not be agreeing to anything like this in the future. It is a fine line that you have to tread when you are trying to keep things amicable for the kids as I do have a mortal fear that access could very suddenly disappear if the amicable-ness broke down. Some people tend to take that mile when they are offered an inch though....

I may be panicking over nothing. Since completing my Trust Deed, I have secured credit for a new car - and it wasn't even at a hilarious rate, and that association was on my credit file at the time. I guess I'm hoping as much as she is that the creditors don't catch up with her in case something comes of that association - there is an awful lot of debt lurking in the shadows waiting to pounce on her!

That's great you'll get to spend some time with your kids, upstream.

I do hope your ex using your address doesn't cause you any problems, though I must be honest in saying I wouldn't be totally surprised if it did in some way.