Experian - Linked Addresses

Legacy_user

Hi all

I recently queried with Experian why I had linked addresses on my credit file which went back further than six years and got this response:

RE: LINKED ADDRESS INFORMATION

We keep linked address entries on your report for up to eight years. This is to ensure that any relevant financial information at your previous addresses is made available to lenders.


I was under the impression that they could only keep data for six years, regardless of what type of data it is?

Anyone know anything about this?

Regards
UNDERGROUND

naijapower

well, i have to say i have the same impression as well. I thought it was for 6 yrs. They have never made this clear before

never-in-doubt

UNDERGROUND wrote: »

Hi all

I recently queried with Experian why I had linked addresses on my credit file which went back further than six years and got this response:

RE: LINKED ADDRESS INFORMATION

We keep linked address entries on your report for up to eight years. This is to ensure that any relevant financial information at your previous addresses is made available to lenders.


I was under the impression that they could only keep data for six years, regardless of what type of data it is?

Anyone know anything about this?

Regards
UNDERGROUND

They can but what they mean is they can retain the credit data (green 0's) for another 2yrs as well mate.

Ive got same problem...... unless there is adverse data no lenders pay attention to a linked address over 3yrs old.....

Innocent_Guy

UNDERGROUND wrote: »

Hi all

I recently queried with Experian why I had linked addresses on my credit file which went back further than six years and got this response:

RE: LINKED ADDRESS INFORMATION

We keep linked address entries on your report for up to eight years. This is to ensure that any relevant financial information at your previous addresses is made available to lenders.


I was under the impression that they could only keep data for six years, regardless of what type of data it is?

Anyone know anything about this?

Regards
UNDERGROUND

After 6 years you can request they are removed.

They are pointless anyway because all data over 6 years old is deleted.

I.e default at address from 7 years ago, linked address still showing, however default removed after 6 years

Paul_Herring

Innocent_Guy wrote: »

They are pointless anyway because all data over 6 years old is deleted.

Experian wrote: »

We keep linked address entries on your report for up to eight years. This is to ensure that any relevant financial information at your previous addresses is made available to lenders

Isn't up to 8 years longer than 6 years? Meaning it isn't necessarily deleted after 6 years?

Innocent_Guy

Paul_Herring wrote: »

Isn't up to 8 years longer than 6 years? Meaning it isn't necessarily deleted after 6 years?

No, Linked addresses can be held for up to 8years but can be removed after 6. Data from those addresses will be deleted after 6 unless you haven't changed your address details with the lender

smithysaver

I tried ringing Experian, and removing linked addresses over 6 years old, and they would'nt budge saying I'd have to wait 8 years. They also wouldnt remove the 8 or 9 mispelt addresses from my file. Telling me to contact the lenders.

greenmantle

I have 61 records under 'linked addresses' on Experian, which actually only record 7 distinct addresses dating back to 2001, due to being a nomadic student for most of that time (the duplicates are due to the links being reported by several different banks).

I wouldn't mind knowing a way of pruning that somehow, as I can't imagine it looks great...

smithysaver

greenmantle wrote: »

I have 61 records under 'linked addresses' on Experian, which actually only record 7 distinct addresses dating back to 2001, due to being a nomadic student for most of that time (the duplicates are due to the links being reported by several different banks).

I wouldn't mind knowing a way of pruning that somehow, as I can't imagine it looks great...

Yeah Im in a simlar situation. I think we would have to ring lender by lender. But I just tried ringing three for my first one, and he was trying to update my current address to my old previous address Grrrrr. So I think it would be best to put it in writing.

greenmantle

I think we would have to ring lender by lender. But I just tried ringing three for my first one, and he was trying to update my current address to my old previous address

Even when they're companies with whom we no longer have an account and last reported the link in 2001-2003? Yikes. I don't even have an account number for my old Halifax card...

melissa'smoney

I've just written to Experian as they have me at a linked address which i've never lived at! They have removed it for me.