We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Credit file and current address

Options
Despite having what I believe to be a good credit rating I have been struggling to get a new credit card. I have checked my credit file and all seems good. I have had a fair bit of credit over the past few years and there has been no repayment problems. However, I moved to a new rented flat about 9 months ago and this address shows as a linked address but my current address was still my previous address and I think this may be the problem. Would I be right in thinking this, would this address being wrong cause so much of a problem?

I did a bit of research and I believe that this address is set by the electoral role. I did an application on the government website and my council wrote to me 3 weeks ago to say I am now on the electoral role at my new address. However, as yet my credit file has not updated with any of the agencies. Do I need to tell them to update this or will it happen automatically?

Many thanks

Comments

  • Tixy
    Tixy Posts: 31,455 Forumite
    It will happen automatically.


    Not being on the electoral roll at your current address can be a significant barrier to being accepted for credit.


    The address on your credit file is set by you when you order your file from the credit reference agency (or update your file if you have an ongoing membership with the credit ref agency).
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.7K Banking & Borrowing
  • 253K Reduce Debt & Boost Income
  • 453.4K Spending & Discounts
  • 243.7K Work, Benefits & Business
  • 598.5K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 256.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.