Help needed on credit reports and residence ...

50 Posts
Hi
Over the last decade I've moved a lot for various work reasons - mostly around the UK but briefly abroad (Japan).
During university and my nomadic early career, I've always had my credit / debit cards registered to my parents' address. This has helped me always pay on time and generally be a good egg!
As I'm now looking for a mortgage, I've tried to check my credit files but as my current address (where I'm on electoral roll) doesn't match the registered address for my card, it won't verify my identity.
I can understand and live with this hiccup, but will it have a material affect on other bits of my credit record (which should otherwise be excellent)?
Any insights, hints or suggestions welcome.
Over the last decade I've moved a lot for various work reasons - mostly around the UK but briefly abroad (Japan).
During university and my nomadic early career, I've always had my credit / debit cards registered to my parents' address. This has helped me always pay on time and generally be a good egg!
As I'm now looking for a mortgage, I've tried to check my credit files but as my current address (where I'm on electoral roll) doesn't match the registered address for my card, it won't verify my identity.
I can understand and live with this hiccup, but will it have a material affect on other bits of my credit record (which should otherwise be excellent)?
Any insights, hints or suggestions welcome.
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She went to the bank and changed her address to coincide with the address she was on the electoral roll at and also got a letter from the bank explaining this.
Nationwide were happy enough with this.
However I would make sure you change it all to coincide ASAP, to save any chance of it causing a problem.