Is this statement correct?

Rrushi_Shqiptar

I have a settled mortgage account for a previous address. I now live elsewhere and on checking my CR I noticed that they had marked the settled account against my new address, which in fact is my partners address and I have no financial connection to it whatsoever. I was a bit confused and raised a question with Equifax and the company, Jerrold Holdings (Never use them, part of the Cheshire mortgage group) and this is what they came back with, is this true?

"Thank you for your query. We can confirm that we are required to report against where the customer is residing. The security address relating to the loan would not always follow from a reporting perspective because if the customer leaves the property and provides us with a new address then we must report there instead.

Please can you confirm to the customer that the account was closed incorrectly on the 21/06/13 it was unreemed immediately but was recorded on the credit file. This has been corrected and last status update in September 2013 is showing as an S."

Many thanks for any thoughts.

boo_star

I don't think it matters in this case, it's settled.

Addresses don't really matter, they won't negatively affect anyone else living in the property.

Rrushi_Shqiptar

thank you Boo_star.

Ben8282

You have no financial connection at all to the address where you live? How strange.
Your credit report should show your correct address, the address where you live, where you are on the electoral roll.
The address of the mortgaged property will also be shown does not need to be the same as your home address (buy to let mortgage for example).

Rrushi_Shqiptar

Ben8282 wrote: »

You have no financial connection at all to the address where you live? How strange.
Your credit report should show your correct address, the address where you live, where you are on the electoral roll.
The address of the mortgaged property will also be shown does not need to be the same as your home address (buy to let mortgage for example).

When I say I had no financial connection I mean I am not paying a mortgage or rent.

I pay utilities, council tax and such like. I am on the electoral roll here as well. I was just wanting to know if the previous address I lived at over 3 yrs ago should be shown against my current address...see the above statement