existing report doesn't have all addresses

qwertyjjj

I went to apply for a joint account at the weekend and was told I couldn't as something on my report was blocking it. This....despite opening an account very recently (3 months).
So, I loaded up my report at equifax and there's no problem. However, my credit report is only FAIR as I am not on electoral roll. Everything is paid up or settled.
The report does not have all my addresses though. Is this the full link of addresses on my report that are linked or could something else be hidden? I don't really want to add previous addresses if they are not already linked...just in case.
I just want to kno if the report I see is the same one every credit checker would see? It's possible I have one old bill outstanding but am not sure as it's not on my report.

izools

The only way to be sure is to add in the previous addresses and see what is there.

Not being registered to vote will be a serious stumbling block credit worthiness wise. As will having opened an account elsewhere so recently.

qwertyjjj

izools wrote: »

The only way to be sure is to add in the previous addresses and see what is there.

Not being registered to vote will be a serious stumbling block credit worthiness wise. As will having opened an account elsewhere so recently.

But shouldn't the report show these addresses anyway if there was a problem with my file?
What I'm scared of doing is adding an address, which might link an unpaid account, and that then being on my file whereas if I had just left it as it is then it wouldn't have made any difference.

chexum

qwertyjjj wrote: »

But shouldn't the report show these addresses anyway if there was a problem with my file?
What I'm scared of doing is adding an address, which might link an unpaid account, and that then being on my file whereas if I had just left it as it is then it wouldn't have made any difference.

You might be on to something - I seem to remember a post (can't find it now) when someone knew they had accounts at a different address, but those were not showing until all the addresses were given for the credit report. If you have something to hide, chances are they know it already.

But maybe it's not so evil - if there's any discrepancy on your report with the age of the accounts/addresses, most lenders might want to play safe.

Also, "blocking" an application is not a terminology related to credit reports, so maybe you want to inquire a bit more - it could be a CIFAS entry, or simply the presence of a new account.

Once I wanted to see how my credit report looks just a few weeks after moving. I'm not sure if it was Equifax or Experian, but they made me jump through a few hoops (faxing copies of passports/bills), and in the end I received a blank credit report, despite giving all my addresses in addition to verifying the current one with a credit card - so it certainly looks they don't always easily add links - but perhaps they needed more time to do it on their own.

Saints2011

qwertyjjj wrote: »

I went to apply for a joint account at the weekend and was told I couldn't.

Just to add credit cards are sole names only therefore you are responsible for the debt, you can add a cardholder onto the account but this doesn't mean it's joint, your still responsible for any debt built up on both cards.

stclair

qwertyjjj wrote: »

But shouldn't the report show these addresses anyway if there was a problem with my file?
What I'm scared of doing is adding an address, which might link an unpaid account, and that then being on my file whereas if I had just left it as it is then it wouldn't have made any difference.

The addresses may not show on your report but the lender will know about the other addresses anyway 9 times out of 10.

qwertyjjj

stclair wrote: »

The addresses may not show on your report but the lender will know about the other addresses anyway 9 times out of 10.

How? They look up the same report and if it doesn;t have linked addresses then where do they get the info.?
I've had this before and most often it's simply because the credit score is low. But everything is paid up on my report so only thing I can see for it being low is the electoral roll, which some check and some don't.

stclair

qwertyjjj wrote: »

How? They look up the same report and if it doesn;t have linked addresses then where do they get the info.?
I've had this before and most often it's simply because the credit score is low. But everything is paid up on my report so only thing I can see for it being low is the electoral roll, which some check and some don't.

A lender does not see the report you see, they will see it in more detail.

So for example if an account was missing off your report the lender would be able to see it when credit scoring your application.

You want to watch you don't get yourself a CIFAS for material falsehoods.

4. Don't omit previous addresses. If you've moved a lot in the last three years, don't be tempted to leave out any of your previous addresses. This could be seen as an attempt by you to conceal unpaid credit at that address.

http://www.barclays.co.uk/Helpsupport/Improvingyourcreditrating/P1242557964162

qwertyjjj

stclair wrote: »

A lender does not see the report you see, they will see it in more detail.

So for example if an account was missing off your report the lender would be able to see it when credit scoring your application.

You want to watch you don't get yourself a CIFAS for material falsehoods.

4. Don't omit previous addresses. If you've moved a lot in the last three years, don't be tempted to leave out any of your previous addresses. This could be seen as an attempt by you to conceal unpaid credit at that address.

http://www.barclays.co.uk/Helpsupport/Improvingyourcreditrating/P1242557964162

Surely the same thing applies though? If my report doesn't have a linked address then neither will the lender?
Actually, in this case it's not even a lender, it was for a current account. I'm just trying to find out what could be bad on my report but there doesn't seem to be anything. I did have a couple of late paid bills 3 years from an address I moved from and moved out of the country but I paid these up. However, as this address isn;t linked, I don;t want to give it to Equifax either.

"could be seen" - ie isn't seen but we'll make you own up to it so we can see it

Thing is, I've bought loads of stuff recently that I could have been credit checked for and I didn't fail their checks (phone contract, current account, small personal loan) so maybe this is just the bank checking electoral register but they never say what their checks are. Equifax say my credit report shows fair due to electoral roll and 1 late payment, which was a direct debit that got cancelled by mistake on chaging bank account.

stclair

Lender = Bank or financial institution

I can assure you banks etc can find out undisclosed addresses that are not recorded on an application e even if it not linked to there credit report.

Basically in nut shell your committing fraud....

qwertyjjj

stclair wrote: »

Lender = Bank or financial institution

I can assure you banks etc can find out undisclosed addresses that are not recorded on an application e even if it not linked to there credit report.

Basically in nut shell your committing fraud....

fraud how? sorry, I forgot I lived at that address.
Seriously though, if my credit report doesn;t have an address then noone else can find it either otherwise it would be linked.