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Adverse Credit due to Linked Address

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Wondering if anyone could offer any advice on the problem I'm currently facing.


My partner and I are looking to have a joint bank account with Santander and I have applied for her to be added onto my existing account. However this has been refused due to an Experian report stating that she has an adverse credit rating.


We have printed the report out and made enquiries at the bank and were told this was due to a linked address that has adverse credit attached to it. I believe this is the house she previously lived in with her family, roughly 2 years ago. Her step dad was made bankrupt whilst at this address and defaulted on the mortgage payments. However she had no financial interest in the property and is no longer in regular contact with her step dad.


It seems unfair that she is also suffering consequences due to actions taken that were out of her control at the time. She is unable to be added to a bank account and it seems unlikely that we would be able to get a mortgage/loans if the same criteria for credit is applied.


Would anybody be able to offer advice in how to disassociate her credit check from this property, or even her step dads previous financial troubles?


Any help would be much appreciated as this issue is causing us problems in managing joint finances. Thanks.

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Easiest way would be write to each credit agency stating this.


Thats where I would start.

My respect to people who post regularly and help people out on here. Without your help alot of wrongs would have been committed.

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You can't have a bad credit rating at a house, the problem is with her file, is she associated to him by mistake or accidently have a CCJ on her. If not then she has some bad credit at one of her previous addresses. Credit reports are on a person, not a house.

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