Proving address for credit report HELP

karenlisam

I am at a total loss as to what to do and any help would be appreciated.

I have been asked to prove the last six years worth of addresses in order to get my experian credit report and I can't.

The situation is that a friend had a council flat in my area in 2003 and she got married and planned to move 200 miles away.
I was in a nightmare situation ( pregnant and about to become homeless) so we did a silly thing and I moved into her flat when she had gone and we didn't tell the council. I paid the rent and council tax every week in her name as there was no housing benefit involved from Oct 2003 - August 2004

In August 2004 I half came clean to the council and went to the council and said that she had moved away and that I had been staying with her and applied for the tenancy which was granted in August 2004

They've asked for six years of proof and I have a gap between Nov 2003 and Aug 2004. As everything was in her name I have zero paperwork of any sort for that 9 month period.

I've battled back up since and now run a small business. I got a lump sum from a client and paid off some very overdue council tax and water bills which I **think** I have CCJ's for ( I went through a STUPID bury my head in the sand and throw away all letters unopened phase:mad:). I want to apply to have them marked as OK on my credit report but I can't see how I can get my credit report if I can't prove where I was for that gap

Can any one help - so upset and annoyed with myself.
I could wait until Aug 2010 when I have 6 years backdated proof of address but that seems crazy

Can anyone advise ????

pink_numbers

have you tried another credit report agency?

karenlisam

No I haven't yet

I assumed the main three as they all ask for 6 years worth of addresses on the application letter are all going to get a warning bell go off when the council tax record show a few months difference

Don't dare apply to all of them at the moment incase thats the case!!

Thanks for the reply though !

pink_numbers

hmmmmm I can see how you would be scared to own up... Do you absolutely need to see the credit report now, or as you said, wait till August next year?

karenlisam

I could wait

I just have about 3k of debt which is paid off and may have ccjs and I thought it was better to mark it as OK now rather than next year but I think I'm stuck

I have PM'd the CCCS people I found on here so I'll update this if they offer any advice incase anyone else is daft enough to be in a similar situation lol