Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • skyranger
    • By skyranger 18th Mar 17, 7:41 PM
    • 103Posts
    • 23Thanks
    skyranger
    Credit Rating Electoral Question
    • #1
    • 18th Mar 17, 7:41 PM
    Credit Rating Electoral Question 18th Mar 17 at 7:41 PM
    Random question but I am going to apply for a credit rate and currently my credit score still shows me registered on the electoral roll at my old address I've been waiting for this to change for a couple of months now.

    However if I applied now and using my newer postal address would this conflict with what my credit score has got and just think "Hang on, we've got nothing for him at this address" or would it not matter?
Page 1
    • DCFC79
    • By DCFC79 18th Mar 17, 8:07 PM
    • 29,944 Posts
    • 18,965 Thanks
    DCFC79
    • #2
    • 18th Mar 17, 8:07 PM
    • #2
    • 18th Mar 17, 8:07 PM
    Random question but I am going to apply for a credit rate and currently my credit score still shows me registered on the electoral roll at my old address I've been waiting for this to change for a couple of months now.

    However if I applied now and using my newer postal address would this conflict with what my credit score has got and just think "Hang on, we've got nothing for him at this address" or would it not matter?
    Originally posted by skyranger
    Have you contacted the council to get it changed ?

    Woah just woah there ranger, your credit report has you listed at your old address, the score isnt seen by anyone just you.

    Are you desperate for a credit card or could you wait for the address to change ?
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • skyranger
    • By skyranger 18th Mar 17, 8:14 PM
    • 103 Posts
    • 23 Thanks
    skyranger
    • #3
    • 18th Mar 17, 8:14 PM
    • #3
    • 18th Mar 17, 8:14 PM
    Oh yes - the council were spoke to back in October and they have said it only went on the system at the start of March.

    Not sure what you mean "the score isnt seen by anyone just you." - isn't it seen by the credit reviewers who would be approving it

    Yeah held off for 4 months so need to make the move in the next week
    • DCFC79
    • By DCFC79 18th Mar 17, 8:32 PM
    • 29,944 Posts
    • 18,965 Thanks
    DCFC79
    • #4
    • 18th Mar 17, 8:32 PM
    • #4
    • 18th Mar 17, 8:32 PM
    Oh yes - the council were spoke to back in October and they have said it only went on the system at the start of March.

    Not sure what you mean "the score isnt seen by anyone just you." - isn't it seen by the credit reviewers who would be approving it

    Yeah held off for 4 months so need to make the move in the next week
    Originally posted by skyranger
    Nope the score/ rating is what you and only can see, lenders, banks, credit card companies see your credit history so debts, missed credit card payments.

    I cant answer the last question in your first post, I wouldnt have thought you would get accepted on your new address if your credit file has you at another address.

    Maybe its down to Experian then, dont quote me on this but I believe Experian only update once a month.

    Who did you get your report from as theres 2 other agencies in the mix, Noddle and Clearscore.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • skyranger
    • By skyranger 18th Mar 17, 8:37 PM
    • 103 Posts
    • 23 Thanks
    skyranger
    • #5
    • 18th Mar 17, 8:37 PM
    • #5
    • 18th Mar 17, 8:37 PM
    Tried Experian, noddle and clearscore. They have my address on file linked to my mortgage but on the electoral role it still shows my old address.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,777Posts Today

8,439Users online

Martin's Twitter