Father & Son Credit Rating

LupusWolf

As discussed in previous thread. My father uses my address for all his bank and bills. Our first and last name are the same, his DOB is obviously different. His details are appearing on my credit rating, although he has only ever missed two payments on a capital one card so can't imagine his stuff effects mine too much.

However, I really want a mortgage one day and I don't want to share my file with him. What can I do? Where is a list of credit rating agencies i can write to, Equifax, Experian & Noodle have us sharing credit info.

Who are the big boys I need to check with and make sure they correct my file?

Thank you

ashp_2

You need to speak to Experian, Equifax & Callcredit. Lenders report to 1 or all of these 3.

[Deleted User]

LupusWolf wrote: »

Equifax, Experian & Noodle have us sharing credit info.

Who are the big boys I need to check with and make sure they correct my file?

Don't call the big boys Noodle.

They'll give you a wedgie.

GingerBob_3

When you contact the CRAs ask them how they manage to make such a fundamental data processing error. It reeks of extremely poor practice, or malpractice. Suggest that you'll be taking up the matter with the ICO - see if you might be able to chisel some compo out of them.

DCFC79

His details are appearing on your credit file.

Credit ratings aren't seen by lenders, the histpry is but you need to sort it.

You can find the address for the 3 agencies on the relevant page for the 3 agencies.

They will be able to sort it as your situation cant have been the first instance of it happening.

Why is he using your address though ?