Credit Applications & Address History

Flash_9

I'm just wondering if anyone has any knowledge of the following:

Generally, when applying for anything (loan/cards/phone) the application process asks you for 3 years address history.

Now, if I have a default (settled) registered at a previous address which I haven't had to supply to the creditor, that is four+ years old (which I have). Does the creditor see this default?

fermi

If the credit reference agency checked has a record of the previous address, or a past link to it supplied by you or another creditor or form of update, then yes, they would very likely see this default.

JKSandy

Did you have accounts you opened in your previous address which you then updated the lender with your new address? Like your bank for example?


This will create the link, as noted by Fermi, on your credit file.

Flash_9

Ah yes, I see what you mean.
In my case then yes, my bank would have been linked to this previous address when I opened it, only a few months before I moved. (That's unfortunate)

Thanks for the insight