Director's home address - can credit ref agency find it

slave101

I've been asked to become a director of an existing company. On the forms it says my "usual address" can be seen by credit reference agencies but is not on the public record.

About four years ago I cleared all my debts with all my creditors bar one substantial one from a bank that did not reply to any of my offers to settle at that time (registered letters) and have made no attempts to pursue the debt as far as I know (over two years of silence and I have moved since). What I don't want to do is suddenly ring a bell at the credit agencies by popping up on the radar as I've carefully not made any applications for credit of any sort since then.

I think scanning the web the only time the credit agencies might get hold of my "usual address" is if the company I become a director of has reason to get a loan. My understanding is that the company is debt free and actually has a large floating fund (is unlikely to ever require or pursue a loan).

Thoughts ?

CKhalvashi

My address shows as the office, and my home address is registered with Companies House.

The correspondence address won't show.

CK

slave101

The "office address" is the "service address" and is public information.

The "usual address" is home address.... that one is not public information but it says credit agencies can get it to check credit worthiness of the company... that's the one I'm concerned about.

CKhalvashi

slave101 wrote: »

The "office address" is the "service address" and is public information.

The "usual address" is home address.... that one is not public information but it says credit agencies can get it to check credit worthiness of the company... that's the one I'm concerned about.

Someone will get to you on this, as I honestly (checking my Noddle report quickly, and bearing in mind my company only has trade debt) don't know.

If the CRAs get hold of it, then it may cause problems with creditors.

CK

chanz4

corporate 192 shows director home addresses

Tixy

Directorships used to register a home address that was on public record. However the companie act 2006 (implemented 2009 I think) states that they can now have a different service address - typically the company's address trading or registered office - and it is the sevice address that is on public record.

The company is legally obliged to keep a copy of your actual residential address on their private records, but nobody would see that.

This change was specifically designed so that a directors address does not have to be public/traceable.

CKhalvashi

Tixy wrote: »

Directorships used to register a home address that was on public record. However the companie act 2006 (implemented 2009 I think) states that they can now have a different service address - typically the company's address trading or registered office - and it is the sevice address that is on public record.

The company is legally obliged to keep a copy of your actual residential address on their private records, but nobody would see that.

This change was specifically designed so that a directors address does not have to be public/traceable.

Thanks Tixy, I wasn't up to date on the implementation of new legislation!

CK

pelirocco

CKhalvashi wrote: »

Someone will get to you on this, as I honestly (checking my Noddle report quickly, and bearing in mind my company only has trade debt) don't know.

If the CRAs get hold of it, then it may cause problems with creditors.

CK

Why would it cause problems with creditors ? A ltd company is a legal entity in its own right .

Op , other posters are correct in saying you dont have to list your home address

CKhalvashi

pelirocco wrote: »

Why would it cause problems with creditors ? A ltd company is a legal entity in its own right .

Op , other posters are correct in saying you dont have to list your home address

I knew what I meant, but didn't express it well.

All advice given is correct, so please ignore my first post!