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
    • sheepyofm
    • By sheepyofm 18th May 17, 3:49 PM
    • 1Posts
    • 0Thanks
    sheepyofm
    Address not being found when applying for credit files
    • #1
    • 18th May 17, 3:49 PM
    Address not being found when applying for credit files 18th May 17 at 3:49 PM
    Hi everyone , was wondering if anybody out there has come across my problem and so how to resolve it?
    I am in my early fifties, been married and divorced, have kids, have had mortgages etc. etc.. I have recently bought a flat, which is a new conversion of an office block so now have another mortgage (my only one at the moment!). I have been employed for 34 years and earn a decent salary, am on the electoral role and my post code is registered with the Royal Mail, I have BT/Sky, have no ccj's and no money arrears..........................nothing too exciting so far !!!!................so how come none of the main credit checking sites, Experian etc. will accept me???. When a put my post code into their system only around four of the flats in my block (there is a total of 34 flats) comes up as an option and they wont accept me putting it in manually. I was with one of the credit rating sites before I moved to my new place but left because they charged a monthly fee.
    Am concerned that I will not be eligible for credit cards/loans etc. if companies cannot find me when they use one of the credit reference companies.........any advice as to how to rectify this?

    Kind Regards


    Mike
Page 1
    • zx81
    • By zx81 18th May 17, 4:03 PM
    • 12,507 Posts
    • 12,669 Thanks
    zx81
    • #2
    • 18th May 17, 4:03 PM
    • #2
    • 18th May 17, 4:03 PM
    What have each of them said when you queried it with them?

    Did they suggest other ways of identifying you?
    • gb78
    • By gb78 18th May 17, 9:34 PM
    • 1 Posts
    • 0 Thanks
    gb78
    • #3
    • 18th May 17, 9:34 PM
    • #3
    • 18th May 17, 9:34 PM
    As it's a new property they might not have the latest address data from Royal Mail. Have you been there long?
    • Ben8282
    • By Ben8282 19th May 17, 5:03 AM
    • 1,944 Posts
    • 848 Thanks
    Ben8282
    • #4
    • 19th May 17, 5:03 AM
    • #4
    • 19th May 17, 5:03 AM
    Are you sure that you have your post code exactly correct. Is there any possibility that the post code you are entering refers only to those 4 flats while the rest of the flats have a different postcode?
    Try
    http://www.royalmail.com/find-a-postcode
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

4,599Posts Today

9,787Users online

Martin's Twitter
  • Byebye! I'm about to stop work & twitter, to instead spend glorious time with Mrs & mini MSE. Wishing u a lovely summer. See u in 10 days.

  • WARNING Did you start Uni in or after 2012? The interest's rising to 6.1%; yet it doesnt work like you think. See https://t.co/IQ8f0Vyetu RT

  • RT @JanaBeee: @MartinSLewis Boris is the anomaly (coffee), the others are versions of normal (beer). Lots of same candidates = vote share d?

  • Follow Martin