Roommate's electoral roll info appearing on my credit report?

Lum

I've already used up my free trials of Experian, Callcredit and Equifax, and got everything sorted. The only thing that wasn't sorted out before the trials expired was the electoral roll info, as we only moved into this house in August and apparently it takes until December/January for that info to get updated.

So today I used checkmyfile.com to do some more checks, and found an oddity.

Experian now list my electoral roll info correctly, however they also list my roommate's electoral roll as a separate entry.

We do not have any joint accounts, all the bills are in my name and she pays me a fixed monthly amount, literally the only place where both names are listed is on the tenancy agreement.

The only explanation for this that I can think of is that we both have the same first name?

Is it normal for Experian to show everyone living at my address on my credit report, or has something gone wrong here?

Pixie5740

Something has gone wrong. People living at the same address should not be visible on each other's credit files. You can write to the CRAs to get this sorted out.

Hazzinho

Get your £2 report with Experian and Equifax and your free one with Noddle (Callcredit). Always go to the source direct, checkmyfile is not reliable.

RedLemon

Lum wrote: »

I've already used up my free trials of Experian, Callcredit and Equifax, and got everything sorted. The only thing that wasn't sorted out before the trials expired was the electoral roll info, as we only moved into this house in August and apparently it takes until December/January for that info to get updated.

So today I used checkmyfile.com to do some more checks, and found an oddity.

Experian now list my electoral roll info correctly, however they also list my roommate's electoral roll as a separate entry.

We do not have any joint accounts, all the bills are in my name and she pays me a fixed monthly amount, literally the only place where both names are listed is on the tenancy agreement.

The only explanation for this that I can think of is that we both have the same first name?

Is it normal for Experian to show everyone living at my address on my credit report, or has something gone wrong here?

It's probably the joint tenancy agreement

Hazzinho

RedLemon wrote: »

It's probably the joint tenancy agreement

A joint tenancy doesn't link credit file it's probably a data issue.

Lum

Hazzinho wrote: »

Get your £2 report with Experian and Equifax and your free one with Noddle (Callcredit). Always go to the source direct, checkmyfile is not reliable.

I can see it's not reliable, however if checkmyfile can grab her name with only my details, either there is a much bigger data breach going on, and/or other organisations can find it too?

I sent Experian an email will see what happens.

stclair

When a lender searches consumers credit files they see all the people registered to the address.

PaulW922

Lum only mentioned electoral roll information - that is not credit data. It certainly would show up when you look at who is registered at your address. It does not mean your credit files are linked.

Lum

And yet, at my previous address, my ex partner never showed up on the credit file?

Thrugelmir

Hazzinho wrote: »

A joint tenancy doesn't link credit file it's probably a data issue.

If the data is provided then it can. As there's a financial association between the parties.

Hazzinho

Thrugelmir wrote: »

If the data is provided then it can. As there's a financial association between the parties.

I've rented numerous times and never had a connection. A landlord can't create an association. Would be pointless it could be removed instantly add there is no financial product linking them together. So well have to agree to disagree.

Anyway my guess is the data is mixed up.