Moving back to an address that you lived for 20 years-does it effect application?

Star-Light

I recently moved back to an address that I lived for 20 years..I lived somewhere else for just 1 month...When applying for a credit do they only take into consideration in how long you lived at the address you moved back to "or" the fact they you lived there for 20 years but only moved out for 1 month.

Edi81

When you moved out for the one month did you tell and banks, credit card companies etc your new address details?

If yes then they will record the new address at the credit reference agencies. You will need to update back to your old address and then be truthful when applying for credit.

If not, you should be ok but to be on the safe side you should order your statutory credit reports from the CRAs and see of the address is linked.

Vortigern

Reading your other threads, it seems you have been using 2 different names and 2 addresses. You'd expect the banks to be suspicious.

You say you a bank account with Nationwide, and they spelt your name wrong. How long did you have this account before you asked them to correct your name?

You then applied for a Nationwide credit card. Were you logged on to your bank account when you applied for the CC?

The name mismatch error is for Nationwide to sort out. Get on to their complaints department.

It's possible that the name and address issues are preventing you from getting credit, but there are other factors the bank will take into account. Perhaps they don't think you are credit-worthy. Check your credit files, as suggested above.