Link Addresses !!

just_about

I checked my experian credit file to find out that experian hold 52 records of linked addresses in my file

Just wanted to know if that is normal, because I have just ever lived in three addresses in the U.K. so can't realy understand what is going on !!

The same addresses have been linked with each other in every possible combination by a lender twice or thrice, hence the same addresses are showing up so many times !!

Does this hamper my credit rating, or does that something the lenders see negetively ?? But it is not that different building numbers or post code are showing but just that they have been linked with each other in every possible combination..

Pleasee help

CannyJock

Have you applied for credit and been refused as a result of the addresses? Are you planning on applying for credit?

I seem to remember from an old CS lecture that the maximum number of ways X elements can be combined is (X squared) - X. So you'd have a maximum of 6 entries to combine them all?

There's no harm in asking the CRA's to remove the "duplicate" entries. Have you checked with Equifax to see what they have?

just_about

CannyJock wrote: »

Have you applied for credit and been refused as a result of the addresses? Are you planning on applying for credit?

I seem to remember from an old CS lecture that the maximum number of ways X elements can be combined is (X squared) - X. So you'd have a maximum of 6 entries to combine them all?

There's no harm in asking the CRA's to remove the "duplicate" entries. Have you checked with Equifax to see what they have?

I have been refused for credit in the present, but have a little adverse on my file as well, so can't really understand if it is for the adverse only or the link addresses have something to do with it too.

well actually I have 52 link addresses recorded with experian and none with equifax, so it looks even more strange.

When ever I had applied for credit seems like they have recorded a link address for no reason, with the same door no and postcode but may be with a different puunctuation on the address line :mad:

Also they seem to have linked my previous address with my first address and then again the present with first one and so on for most credit searches.

So there seems to be loads of duplicate entries, for example may be with a different punctuation like a addition of a comma in my previous address and then again one without it even though the door no and the postcode and all have stayed the same.

So can it hamper my chances of getting credit, or can I remove such duplicate entries .

Plesae help !!!!!!!!!!!

CannyJock

I'd ask for the duplicates to be removed just to tidy things up. But personally, I don't think it'll make a great deal of difference, I think the other factors will outweigh it.

Presumably your credit report shows how long you've been at your "current" address from the electoral register entry?