Bank & Credit Cards Registered To Family Address

richard722

I'm in the early stages of looking into mortgages, as I'm starting to build up to the level of savings that could be used for a deposit, but I've only just come to realise (naively) that my credit score & history aren't as good as maybe they could be, because I've kept some main things registered at my old address (where my family still live). The main reason for this was because my current building has shared mailboxes and post was going missing for other tenants (plus three things have failed to arrive to me also), so it seemed natural to keep it going to a safe place.

I guess my question is, should I change all my addresses ASAP? And how long might it be before my credit history looks strong enough? I've lived in my current address 2 years now.

If this helps, below are the things I have registered at the address where I live:

• Electoral Role
• Internet (Direct Debit)
• Electricity
• Water
• Council Tax
• TV License
• Home Insurance (via credit company as I split it over 12 months)

Here's what is registered to my family's address:

• Bank account (plus bank credit card)
• Credit Card (not from bank)
• Previously up until 3 months ago my mobile (now PAYG)

As you can see, it's the utilities at my current address, but the main things involving credit are at home - in particular 5k worth of credit cards limits (only 1k used and paying it down) and my previous mobile phone contract (admittedly this may not be relevant as its no longer in place).


Any advice or comfort appreciated!


Cheers