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Moving house and negative effect
notafan
Posts: 269 Forumite
Around 6 months ago i moved house after being at the same address for a number of years.
I updated all my accounts, id registered on the electoral role a few weeks before and experian and equifax reports both confirm i am registered at the new address. Noddle says im not on the edited version (think its called this) and only has that option - which will be correct as i opted out to the version where they sell your details.
I did notice the next month when the noddle report was available it dropped the rating to 1/5. I dont take much notice of the score from any agency especially noddle and didnt think too much of it.
Around the same time as moving i applied for a new bank account which was accepted with no issue (and i was offered and overdraft but i'm never in this).
I didnt think anything else of it but recently applied for a new mobile and was accepted but asked for a deposit which i've never had ever.
I'm not after anything else but i was curious and i ran my details through the eligibility checker and its recommending cards like vanquis and aqua and says i'd struggle to get credit.
I've no history of problems except a bounced direct debit on a bank account showing as a '1' around 4 years ago. All files are up to date showing around 30 previous closed accounts none with any missed payment / issues.
I have two credit cards - limits on the cards total around 20% of my income -as for the balances, one is a balance transfer card which is £500 under the limit (had for around 12 months), the other is about a £1000 under the limit which i've had for couple of years. I also have a couple of other bank accounts also opened years ago - none have overdrafts.
Aside from the bank account and mobile there was one other search around 11 months ago for car insurance.
Ive checked all my files recently and there are zero issues and all is correct.
Can moving be really that bad for you or am i missing something else?
I updated all my accounts, id registered on the electoral role a few weeks before and experian and equifax reports both confirm i am registered at the new address. Noddle says im not on the edited version (think its called this) and only has that option - which will be correct as i opted out to the version where they sell your details.
I did notice the next month when the noddle report was available it dropped the rating to 1/5. I dont take much notice of the score from any agency especially noddle and didnt think too much of it.
Around the same time as moving i applied for a new bank account which was accepted with no issue (and i was offered and overdraft but i'm never in this).
I didnt think anything else of it but recently applied for a new mobile and was accepted but asked for a deposit which i've never had ever.
I'm not after anything else but i was curious and i ran my details through the eligibility checker and its recommending cards like vanquis and aqua and says i'd struggle to get credit.
I've no history of problems except a bounced direct debit on a bank account showing as a '1' around 4 years ago. All files are up to date showing around 30 previous closed accounts none with any missed payment / issues.
I have two credit cards - limits on the cards total around 20% of my income -as for the balances, one is a balance transfer card which is £500 under the limit (had for around 12 months), the other is about a £1000 under the limit which i've had for couple of years. I also have a couple of other bank accounts also opened years ago - none have overdrafts.
Aside from the bank account and mobile there was one other search around 11 months ago for car insurance.
Ive checked all my files recently and there are zero issues and all is correct.
Can moving be really that bad for you or am i missing something else?
0
Comments
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Moving will have an impact but you also appear to be using a lot of your available credit.0
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