Credit report -- how update my address and personal details

mirek186

Hi
Some of you may see my previous post I did't know what is better to continue or start new one. But I decide that could be very hopeful for some of you reject by banks.
About myself and my wife:
We both polish in UK since 2005, all the time in full-employment and both 25. Just get married also never had any credit account or loans, nothing only current account same as my wife and the problem is:
I was playing with :
moneysupermarket.com/credit-cards/smart-search
and
applywithconfidence.com/barclaycard
Trying figure out why I'm being reject. Money supermarket is telling you reason of reject. And for example when I fill form with my current address they said that they can't find any deal because can't confirm my details. So I start filling form with my previous address. And what happen somehow my address history stop at 2008. I then check it with applywithconfidence.com/barclaycard and same thing. When I'm filling application with 2008 details. It's trough and my credit rating at both sides is good/exelent. Where at equifax is very poor and no details at all about previous address. Even worse was when I try same thing with my wife details as she took my surname. And she was able to get credit card on both website's with details from 2008 and only with her maiden surname. We been leaving together since 2007. So we both have same address all the time. And in both case after 2008 is no records at all. When we always inform all ours billings company, employers and banks that we moved.
Can anyone tell me where I should check my address history should it be equifax or somewhere else as barclaycard is checking application with equifax and how that happen that in equifax account I have my current address and at barclycard website i need to fill my 2008 details to go trough.

Also few interesting things that what I seen it doesn't matter what you put in:
how long you leaving at current address,
Annual income,
Bank
Maybe it matter later with real application but if you like only to check are you eligibly its irrelevant.

Hope you can help me with that one and sorry for two posts in same time
Thanks

mirek186

I done some research and now I really confuse. I check how "soft search" work and I found that:
" When you use this search, you are instructing Callcredit to provide your credit report to HD Decisions Ltd. HD Decisions has been appointed as a processing agent for us and a number of credit card providers. We then match your results against our comprehensive list of credit cards based on card category of interest. "
When you using applywithconfidence website they using Equifax. But process is same for both website. Both using HD Decisions to process our data.

So I phone HD Deciosn there is no costumer services ,you speaking directly to
Matt Denman - Founder & COO. I explain him the issue and he said that they pulling data from Callcredit or Equifax and If there is problem with data it must come from Callcredit or Equifax.

So I phone Equifax lady did't know anything at all. She just try to update my details for current address. And she said that they keeping only 2 previous address. Where address i'm linked in is from 2008.

So it looks like either Equifax did not update my details yet and they providing old data to credit cards vendors. I will try to call them tomorrow again but I'm running out of ideas. And the worst thing is that they won't tell me from where they got that address. So I could call that company and change it .

Hazzinho

Are you on the electoral roll and is your current account registered to your current address? Credit reference agencies only report what is provided to them from the banks. electoral roll is very important applying for credit.