Credit File Search with Linked Address - advice?

GSMAnon

Jonesy_McJones wrote: »

I read it as: the guy at Experian told the OP to either add the address (if the OP had lived there and the info was correct) or to call the car finance company and get it removed (if the OP hadn't lived there and the info was incorrect). Obviously could be wrong! (But not sure why someone at Experian would advocate changing / removing correct data?!)

Correct.

I don't think they were advocating changing/removing correct data. They were obviously drawn to the "anomaly" on my report that I had a linked address that wasn't stated as a previous address by me, and thought that this should be remedied with either putting the address in as a previous address (if that's the case) or requesting that it be deleted (if not the case).

GSMAnon

So can any one offer advice on this particular issue? Which is worse?

tinkerbell28

You'll need to add it manually. It cannot be deleted as it is true.

GSMAnon

tinkerbell28 wrote: »

You'll need to add it manually. It cannot be deleted as it is true.

That's not the issue and never has been. The issue is that, whether I enter it manually or not, there are some "anomalies" on my report as a result - it's a Catch-22.

ACTION: Enter it manually.

CONSEQUENCE: Now have an extra address (multiple addresses are bad, right?), which has no electoral role backup (no electoral role information for an address is bad, right?).

ACTION: Do not enter it manually.

CONSEQUENCE: Have a linked address which it not backed up with a manually entered address (bad, right?).

So which of the two consequences is worse?

tinkerbell28

What are you on about? It is a FACT you lived there, so it should be on your report, so it matches. No question.

Too many addresses or no electoral role information won't look half as bad, as if you are deliberately leaving information out. Which you currently are.

MY OH was kind of in this situation when we first met, work address/parents address. So showing a couple of addresses in a short space of time, one with no electoral info. It hasn't effected him.

It will look worse if you're deliberately concealing linked addresses.