Credit scoring question - two addresses

hewligan

Hi all, I'm a newbie and interested in rebuilding my credit. I apologise if I've put this post in the wrong section, I wasn't sure where it should go!

About ten years ago I had a bit of a dodgy credit experience (turned 18 and went a bit mad) with store cards etc. I didn't have a credit card as such, but I did have a couple of store accounts and while the debts I incurred weren't particularly tremendous, my credit score was left a little bruised.

I have since paid off my debts and am now much more in control of my money (still not well off, however!) so would like to start rebuilding my credit and get myself back on track.

I haven't had (or applied for) any other credit than my two mobile phones, and a recent Barclays business account (which was credit checked and approved). I therefore believe my score to be reasonable, but probably not excellent as I am a renter and don't have much credit to my name.

The worry I have is that my phones and my personal Halifax bank account are registered at my parents' address, mainly because renting has meant that I've moved house fairly frequently and it seemed sensible to keep those long-standing accounts in one place. Is this going to look bad? Should I change the registered address on my phones and Halifax account to my (rented) home address?

Any help will be much appreciated.
Best wishes.

Paul_Herring

The most important address on your credit reference records is the one you are registered to vote at.

Any/all other addresses appear merely for information (I have a linked address from over 10 years ago on one of my reports.)

There is little point in changing your addresses with existing creditors if it's going to cause you extra hassle.