56 addresses on credit file - is this ok?!

Savernotspender

This afternoon I applied for a Halifax Clarity credit card but was rejected. I was quite surprised by this as I bank with Halifax already and have their "normal" credit card at the moment which I tend to spend between £50 & £500 a month and pay off in full every month.

Anyway I thought I'd check my credit reports to see if there's anything that I don't know about on there. Everything looked fine on Experian, everything up to date, never missed a payment, never paid late. The same was showing on Credit Expert except the bit about linked addresses has 56 different linked addresses - all variations in spellings and wordings of my last 3 addresses (approx 2 years at current property, 6 years at previous and 3 years before that)

Would all these incorrect worded addresses have any baring on what various financial institutions think of my account?

I guess I'm just a bit worried that they might think I've moved 56 times or something?!

Sorry if this is a dumb question!

many thanks

[Deleted User]

Shouldn't worry about it. I have over 100 addresses listed on experian (all variations of 4 or 5 previous addresses) and I've recently been accepted for what are considered harder to get lines of credit (First Direct and Amex).

bengalknights

You could always ask the CRAs to merge the addresses as notice of corrections

stclair

Lenders only see the same formatted address once anyway so it won't make any difference.

emzieslou

did you apply online for the card? I know it is halifax policy over the phone and in branch that you can't have a halifax clarity unless the other account is closed 30 days first however in some cases they may upgrade the existing to the clarity.