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 account, according to Experian. However, Experian’s and Equifax’s financial disassociation forms provide space for you to explain your circumstances — and why you should still be considered for a financial disassociation, even if you share an account or home.
You don’t have to be split up with your partner to get a disassociation. Relationship status doesn’t matter — only financial links. In other words, if you took out a loan with a partner and paid it off, you can still get a financial disassociation from that partner, even if you’re still happily together.