Credit score - 2 addresses

jellebabe

Hi everyone,
I have just had my credit score for my parents where I am on the electoral roll and had most of my finance originally which was excellent 995/1000 with experian but did show up about 12 searches for things that have been turned down

However all of my "troubles" are sent to my military address, which hasnt been linked onto my credit file.

But I cant get a decent bank account/chq book/low rate car finance.

Will the other 2 agencies have linked addresses do you think? Ive requested both but will take a while until forwarded on.
If i have copies of my credit files can they be forwarded onto banks underwriters?

How long do searches stay on file?

If i transfer my barclaycard back to my parents address will the missed payments in the past then be put onto my credit file or only from now on?

Sorry for long post, Im getting to the point where Im thinking about the future and houses alot

thesaint

When you filled in your application form for the credit file, did you state the previous addresses?

I believe the searches will stay on for 1 year.

jellebabe

No, just the one, i cant see anywhere to put additional addresses

thesaint

I haven't seen a form for a while, but I thought that they asked for addresses for the last 6 years.

jellebabe

I usually just give that address for everything its so much easier than trying to explain my mil addy, Ill go check

thesaint

What address did you apply for the Barclaycard from?
If it is different to your parents address, then you have created a financial connection at another address that some institutions may have linked.

jellebabe

it was when i lived with my ex for a bit, so if i moved my bills to my parents address would the credit record for it move there too?

jago25_98

The place to go to start hunting answers on addresses and credit would be the stoozing.com forum and interview/faq