blacklist / failed credit check

toothe

ok, i was on the phone to vodafone and failed a credit check, i dont understand why or how but basically...
the house was a reposession, and there have been a lot of bills to the previous occupant that we have returned, it seems the bills have never been paid... so basically would this have caused the house to be black listed.

if so how much is it to have this removed.

also if there is a reason i have been listed would i be able to get it removed. i dont know of any reason and if there is anything unpaid its because im unaware, everything is direct debit and everything is paid in days...

pingu2209

I didn't think houses were black listed any more and that it was only the person?

toothe

if thats true i dont understand what i would fail on...

Bohemian_Raspberry

Pingu is right, houses and buildings are no longer blacklisted but the person who owes the money.

If you've failed a credit check, maybe get a copy of your credit report to check all is ok?

toothe

i've sent for a copy of the credit check...
i dont understand only thing i can think is because im still on the electoral register at my parents address...

alastairq

orf the top of me 'ead...the address may be associated with the previous occupant....application to the credit reference companies can ascertain this, and get it removed.

toothe

also, if i have got a bad credit check, i am unaware of anything i owe etc, how do i go about getting these of my record.

i've only had a mortgage approved 6 months ago so...

Bohemian_Raspberry

toothe wrote: »

i've sent for a copy of the credit check...
i dont understand only thing i can think is because im still on the electoral register at my parents address...

I'd guess that was the problem then. A few years back Orange wouldn't give me a contract phone as I'd only just moved and wasn't yet on the electoral roll. A few months later when I was on it they gave me a contract with no problems.

toothe

hmm i hope thats all it is, dont wana have bad credit rating, ive always paid everything when it comes in.

if anything isnt paid i wil be shocked, and if there isnt i am happy to pay straight away, i have not recieved any letters that state i owe money or any unpaid bills, if this is the case, will it be removed from my credit rating if i pay them and inform that i never recieved anything???

if not how much will it affect my rating? and how can i improve it i plan to take a loan for a car soon ...