How to break ties
If you are no longer financially connected to your credit associates, you can ask the credit agencies to remove their information from your credit report, a process called a financial disassociation.
To get a financial disassociation, you’ll have to make a formal request with each of the credit agencies. The required forms will generally ask you to list addresses you shared with a former partner and declare that you no longer share any financial ties, including bank accounts and joint credit agreements.
In general, you can get a financial disassociation if you (or your former partner) still live at the same address you once shared — but not if you both still share the same address, or still share a financial link like a joint…
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