New bank, new address... new credit score?

tam2oo5

Hi i was just wondering if someone had an answer to my thought lol, i was thinking if perhaps you moved to a new house, opened a new bank at that new adress and never told your bank anything relating to your previous address. Would that mean you have a new credit score?

I know its crazy lol i just wondered if it would be a solution to someone with really bad credit..?

Thanks

Cash_Flow

tam2oo5 wrote: »

Hi i was just wondering if someone had an answer to my thought lol, i was thinking if perhaps you moved to a new house, opened a new bank at that new adress and never told your bank anything relating to your previous address. Would that mean you have a new credit score?

I know its crazy lol i just wondered if it would be a solution to someone with really bad credit..?

Thanks

:rotfl:No:rotfl:

stephane_2

It does not work like that....you need to be on electoral roll, everything is also connected to your name and not giving your previous addresses will get you nowhere

Joeler

tam2oo5 wrote: »

Hi i was just wondering if someone had an answer to my thought lol, i was thinking if perhaps you moved to a new house, opened a new bank at that new adress and never told your bank anything relating to your previous address. Would that mean you have a new credit score?

I know its crazy lol i just wondered if it would be a solution to someone with really bad credit..?

Thanks

A member of my family did this years ago. It worked for quite a while, he got car on finance and other stuff he would of never got before. However he had to say he had been at his new address longer than he had... After a hile the addresses will link and you will be back to quare one, or worse, if you lie to obtain credit.

Not for the faint hearted

ElkyElky

If it was as easy as that, everyone would be doing it. You'll slip up down the line and your past will come back and bite you in the a s s. It always does.

Lapchien

TBeckett100 wrote: »

change your surname by deed poll, then do new electoral roll registration, then apply, or move abroad.

Call me Mr Paranoid, but doesn't the UK Passport Office and DVLA now give change of name information to the CRA's?

Robert_Sterling

tam2oo5 wrote: »

Hi i was just wondering if someone had an answer to my thought lol, i was thinking if perhaps you moved to a new house, opened a new bank at that new adress and never told your bank anything relating to your previous address. Would that mean you have a new credit score?

I know its crazy lol i just wondered if it would be a solution to someone with really bad credit..?

Thanks

Have you thought of changing your name and/or your gender.

tam2oo5

Lol no, im only 19 with no credit at all. Currently a student, so dont think anyone would give me anything. Just wondered if it would work or not... My cousin said he was going to try it so i would keep you posted.

ElkyElky

tam2oo5 wrote: »

Lol no, im only 19 with no credit at all. Currently a student, so dont think anyone would give me anything. Just wondered if it would work or not... My cousin said he was going to try it so i would keep you posted.

Your cousin can't just simply move house and two days later, he'll have a new credit history. It doesn't work like that.

cockywatchman

Lapchien wrote: »

Call me Mr Paranoid, but doesn't the UK Passport Office and DVLA now give change of name information to the CRA's?

Why would they?

Say for example a wife had been beaten up by her partner & she decided she didn't want to be traced and legally goes to a solicitor changes her name then sends off her driving license & passport to be changed. Her psycho husband decides to find her he can find out where she lives, her new name just by applying for his credit report?

I think you will find the above statement is to be taken with a LARGE pinch of salt