How do I get rid of a previous tenants bad credit?

AbstractWool

My friend has just moved home and is having problem applying for a credit card. It looks like the previous tenant had really bad debts and CCJ's.
I have told her to apply for a credit report, is there anything else she can do?

TIA:)

wornoutmumoftwo

Previous tenants credit shouldn't affect your friend. Are they on the voters roll?
Best place to start is the credit report.

[Deleted User]

As above. Previous tenants are irrelevant. Debt is specific to the individual, not an address.

KingElvis

Yep, bad debts are not attached to an address and haven't been for some time.

More likely your friend is not yet on the ER or has a thin credit file or something.

Check with the 3 CRAs

MrsManda

I think if once she's got her credit report it shows she is associated with previous tenants she can fill out a disassociation form like this one below for Experian:
http://www.experian.co.uk/contactforms/consumer_onlinedisassociation.html

But I don't think previous occupiers of her house will actually be connected to her on her credit report as I think these days a credit report is based solely on the individual and any person they're financially associated with rather than having anything to do with the property where they live.
Has she been specifically told that previous occupiers are the problem?

oops, too late

JasX

Previous occupants won't affect her. Things she needs to get on top of that will be counting against her:

-On electoral role at new address (contact council)
-Time at present address (if no other means of time travel available this will involve waiting)
-check credit reports for any black marks / fraud / inaccurate info

Rochdale_Guy

I genuinely wish you good luck.

When I moved into the area and into my council flat, I was inundated with letter demands and unpleasant evening knocks on the door after the previous tenants must have run up huge debts and moved out. Despite people swearing addresses are not blacklisted I am convinced they WERE.
I got on the electoral roll as soon as I moved in, but it took a year of being in full time employment to finally get the previous tenants prepayment meters took out and to let me pay by monthly D/D. I even worked in a national catalogue shop and was humiliatingly turned down for a TV purchase on credit when I worked there.

So, as above, get on the electoral roll. Send any debt letters back to the sender like I did with a letter from my housing officer saying I am the new, sole tenant of the property. Mr or Mrs.X does not live with me, is not connected to me, and does not live at this address anymore. They finally stopped knocking and sending letters to the previous tenants to my address.

Firemunchkin

I am having a similar issue with debt for a previous tenant - we have been living in our house for over a year now but have been getting regular debt collection letters for about 3 different named people. We started by returning to sender unopened but the letters just kept coming (whereas banks & other letters stopped) so we called them up and said this person doesn't live here anymore. We rent through an agency so I'm wondering if perhaps I need them to contact the DCA to confirm we are the sole tenants?

We recently had a very ominous postcard saying simply 'Call Max, ref: ***' through the door which we are now very worried is bailiffs. We've decided to stop answering the door without the chain on, can't let them in.

If anybody knows of anything legal we can do to stop these DCAs harassing us with these letters please let me know!

agrinnall

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