Credit rating associated with the property

Mouse-Mouse

I am in a process of buying a repossessed property. When I contacted TalkTalk to sort out the broadband for the new place, I was told that due to my low credit rating I would have to pay upfront.
I assume, the bad credit rating is associated with the property as mine is rather good, besides, I didn’t even give the adviser my real name so there’s no way she could know.
Whom should I contact to get this amended as I don’t want to be associated with previous owners’ bad credit?

~Beanie~

Credit ratings are purely against an individual, not a property, so it doesn't matter who lived there previously.

Mouse-Mouse

That’s what I thought which makes me wonder why the TalkTalk adviser mentioned low credit rating – as I said, I didn’t provide my real name to her or a date of birth.

Tixy

If you gavce a false name and date of birth and if they did a credit search then you would appear to have no credit history at all and no past electoral roll information - which would make you a higher credit risk to them.

Thrugelmir

Tixy wrote: »

If you gavce a false name and date of birth and if they did a credit search then you would appear to have no credit history at all and no past electoral roll information - which would make you a higher credit risk to them.

A non person in fact.

Caz3121

Mouse-Mouse wrote: »

That’s what I thought which makes me wonder why the TalkTalk adviser mentioned low credit rating – as I said, I didn’t provide my real name to her or a date of birth.

Why on earth were you trying to enter into a contract with false details?
How would you expect them to see that you have a "rather good" credit rating when you did not give them your details?

Mouse-Mouse

I was not trying to enter a contract with a false name – I was chatting with their advisor to clarify a couple of things before I submit an order online and gave her a name I go by (different to my passport) and address of the place I am buying – no date of birth, no previous addresses..
She dropped a credit rating bombshell out of nowhere hence me suspecting it’s something to do with the property.

fermi

Zero history = poor rating in the eyes of many lenders and suppliers.

Supplier would not pick up previous problems at an address from the CRAs, but may have their own records of bad paying customers I suppose? And they may take those into account if they have nothing else to go on, and/or suspect it is people who had the problems before trying to sign up with a new name? All a bit unlikely though. Sounds as if you just shot yourself in the foot by giving details that have no good history behind them to back them up.

Mouse-Mouse

I submitted an order with them later with all my proper details and it seems to have gone through, will know for sure in a couple of days.