Correct Credit File Addresses

anro15

Bit of a strange one below, but please help if you can:

I have recently been turned down for several cards despite having a good credit history. I believe it may be down to my address history from living on military sites. I have always used an accurate address, however I believe this may not be the official address recognised by the outside world (specifying a building number in the first line of the address that the local postie knows, rather than the official delivery point that someone without knowledge of the base would use).

As I am about to apply for a mortgage too, I am keen to get this cleared up. Will the banks and orgs I have credit with correct my address and backdate the amendment or will it look like another house move? And is there anything else I have to be aware of?

Any advice or guidance would be appreciated.

Moggles_2

Your address is the nub of your problem. I'd put money on it.

Were your recent cc applications made online? Did your address pop up automatically on entering your postcode or did you have to enter each line manually?

If I were you, I'd inspect the electoral roll. Pay particular attention to the format of your address. It's not necessarily an error. Very often it comes down to a difference of opinion as to how an address should be formatted, as I think you realise, rather than an actual mistake.

With luck, it'll be purely a question of checking the register and sticking with that version. Provided that you're consistent when completing all your paperwork, you should be okay. When you apply for credit facilities, bank accounts etc. or to the credit reference agencies, ensure your address matches the details as they appear on the electoral register.

P.S. Don't worry if your address is formatted differently on utility bills and the like. That's of no consequence, but the electoral roll version counts when applying for credit

anro15

Thanks for the electoral info, it seems fairly obvious now. However, my addresses are set slightly differently to the local site address. Therefore, can a company amend their data so it appears like I was always living there rather than a change of address putting another location on my credit file?

Jemma-T

What does it show here http://postcode.royalmail.com/portal/rm/addressfinder?pageId=pcaf_a_search ?

Why not get a mortgage from someone who knows you like your bank? You may struggle anyway.

anro15

I would like to, but FD requires a 25% deposit. Not good for a FTB! I am just trying to make the credit report as good as possible for any other options, hence I am hoping it is possible to correct the addresses.