Totally confused about my credit rating!

Gordon_Hose

downhillfast wrote: »

The 'score' Noddle give you is worthless... the report the potential lender will see will show you not to be on the electoral roll and that IS something lenders care about - if you're not on the ER then it doesn't exactly show your abode as being particularly permanent and the possibility of you doing a runner and not paying the credit back, much higher!

I know chief, you don't need to tell me how worthless these scores are.

I'm in the process of getting a mortgage, NatWest have said I don't need to be on the ER at my current, temporary, place of residence (parents), provided they can see I was on the ER at my previous address.

So they don't care that much

BrookesAndrew

Don't pay any attention to that 2/5 score. Doesn't mean anything. Not worth anything what so ever.

downhillfast

Gordon_Hose wrote: »

I know chief, you don't need to tell me how worthless these scores are.

I'm in the process of getting a mortgage, NatWest have said I don't need to be on the ER at my current, temporary, place of residence (parents), provided they can see I was on the ER at my previous address.

So they don't care that much

A mortgage is a little different though as if you're buying a property you're hardly going to pack it into a suitcase and run off with it without paying! :rotfl:

Gordon_Hose

I know, just saying

LeChat_2

Check your address history. I couldn't for the life of me work out why mine wasn't higher. Turned out that all my credit accounts had slightly different address for me (ie flat 4, 4 High Road became 4,4 High Road, (or 44 High Road once) or 6 Charles Court, 8 Low Road became flat 6, 8 Low Road) dependant on whether I had filled in a form with what I thought was the address or gone into a branch where they'd used a post code address finder which filled it in differently. It looked like these weren't being registered as the same address because it's all done automatically. I emailed them and now they all link smoothly, rather than thinking I've lived in 9 different places in the past three years.