Flat address is different on electoral roll to bank account

newbie_user

I wonder if anyone can offer me some advice. When i moved into my rented flat (middle flat of three in a house), I was advised by the estate agent / landlord that my address was 'Raised Ground Floor Flat, 29 xxxx Road'. I put that on every bank account and credit account I opened (phone bill, etc). It never comes up on any postcode search engine (to fill my address in automatically) - I have to type it in. But it's literally on everything.

It's only after a year of living here, when I rung the council to check i was on the electoral roll, that they told me they had the address as 'Flat 2, 29 xxxx Road'. We're about to apply for a mortgage (we've got our decision in principle) - will this difference in wording of address effect us?! In terms of checking our credit histories and giving our past addresses? Or should i be changing all my addresses to match the electoral roll immediately? I don't really understand how it works!

Thank you in advance for any advice given, we're a bit worried.

modder25

newbie_user wrote: »

I wonder if anyone can offer me some advice. When i moved into my rented flat (middle flat of three in a house), I was advised by the estate agent / landlord that my address was 'Raised Ground Floor Flat, 29 xxxx Road'. I put that on every bank account and credit account I opened (phone bill, etc). It never comes up on any postcode search engine (to fill my address in automatically) - I have to type it in. But it's literally on everything.

It's only after a year of living here, when I rung the council to check i was on the electoral roll, that they told me they had the address as 'Flat 2, 29 xxxx Road'. We're about to apply for a mortgage (we've got our decision in principle) - will this difference in wording of address effect us?! In terms of checking our credit histories and giving our past addresses? Or should i be changing all my addresses to match the electoral roll immediately? I don't really understand how it works!

Thank you in advance for any advice given, we're a bit worried.

If there is a flat below you and a flat above you then you are flat 2. I would change everything to flat 2 and match it to what the council have you down as.


Good Luck.

lifegoeson2013

Hi,
definitely match what the council has, double check with the assessors office of the exact address.
I had this issue too, house has a name but everywhere else it's a number - sadly this affected my credit rating!
If you want to change what the council has recorded, it can take up to 6 months.
Good luck,

newbie_user

Thank you so much for your replies! If I change my addresd to flat 2 in line with the council - on my bank accounts etc- will that look like I've moved again? And so I won't have been in my property for very long on paper, and then it looks like I didn't live anywhere that exists for the year before that?! I'm so vo nfused and I'm not sure who I can ring for advice - would experian or the credit companies help? Or our mortgage provider (whoever that might be?) thanks in advance again

Experian_company_representative

Hi newbie_user

newbie_user wrote: »

Thank you so much for your replies! If I change my addresd to flat 2 in line with the council - on my bank accounts etc- will that look like I've moved again? And so I won't have been in my property for very long on paper, and then it looks like I didn't live anywhere that exists for the year before that?! I'm so vo nfused and I'm not sure who I can ring for advice - would experian or the credit companies help? Or our mortgage provider (whoever that might be?) thanks in advance again

I would really like to look into this for you and I understand this can be worrying for you.

So that I would be able to help if it's an issue with your Experian Credit Report, could [EMAIL="uksocialsupport@experian.com"]email me[/EMAIL] your details (name/dob/address) and if you could also include within your email the format of your current address your local council has you registered under and the date you've registered I would be able to take a look into this further for you.

Kind Regards
James Jarvis