- Thu Jun 12, 2014 10:48 pm
OK the goal posts have move a little here, becasue of a joint assocation.
Let me expand each on each point.
Firstly if you have any joint associations, such as joint bank accounts, joint mortgages, etc, then yes a search on your partners CRF WILL mean a search on your CRF, but NOT A VISUAL search.
This has always has, and always will be the case.
OK I know this isnt the case here but to be blunt, in the past some partners have used partners to 'hide' unethical debts/loans/business/bankruptcies and as such there is a legal and ethical responsible to ensure that potential lenders from potential fraudulent deceptions. This is why when there is financial link under law they MUST check all the information is correct, and if that upsets someone, then it will upset them.
It is also for this reason that all debt advisers will strongly suggest that if one person is in debt that they separate financial associations if at all possible.
If you have NO joint association, then all then can do as part of the Money Laundering Regulations is an identity and address check. If she has said you are her partner, they will check this is probably the case, i.e. you you might have the same surnames, lived at the same addresses, etc. You will be surprised how many failed applications for credit I am aware of where a single person has invented a partner to boost income levels, to try and get a disastrous loan!
So ID and address checks on all tackable past addresses is normal, but it will be a score and not the actual details
Secondly, from what you have said as you have had CCJs, it appears there are joint associations, as these WILL be noted on a search of your wife CRF.
HOWEVER, they cannot see your Credit File without YOUR express permission, what they get is an automatic score of YOUR risk. They can see ALL the relevant data on your partners file, but can ONLY get a numerical score for yours.
Just for example, let say your wife has applied for credit and told the lender she has lived at the same address for 10 years, then the creditor can check the entries on her file, but because of the association they can check to see if yours has the same information. BUT they will get a score of 2 for yes, 1 for some of the same info, and 0 for you haven't lived there, etc. They CANNOT see what is actually on the file.
Thirdly, as I have already said, you will need to see what Virgin say about the old account and this missed payment, but it is very possible Virgin may tell the Credit Agency that Virgins information is correct, so the Credit Agency will bat it back to you to contact and deal with Virgin directly.
Be aware, this is normally the case with Call Credit, they about 99.9% of the time tell you to contact the account holder, and annoying though it is, under current data law, if the creditor tells the CRA that the information is correct, that is the end of the CRAs responsibility!