Credit Reports and Minors

DavefaceFMS

Quick question if anyone knows the answer. On my credit report I have an address listed I lived at as a minor where I had nothing associated with that address.

Can I dispute it despite the fact that I did live there?
My parents lived there at the same time, if they had bad credit would it impact my score?

[Deleted User]

You could raise it with the CRA. But it won't make a difference either way.

Your parents files won't impact yours.

National_Debtline

Hi DavefaceFMS and welcome to MSE.

Just to add to zx81’s response, your credit reference file is based on you as an individual, rather than an address. You also cannot be affected by anyone else’s credit history unless you have a financial connection with them. That means having had some kind of joint credit or agreement with them, such as a joint bank account.

Assuming you did not have anything in joint names with your parents there is no need to worry, their credit history will not affect you.

Susie
@natdebtline

DCFC79

Deleted_User wrote: »

You could raise it with the CRA. But it won't make a difference either way.

Your parents files won't impact yours.

In addition to this your score is only seen by you and no1 else.

DavefaceFMS

Thanks everyone for the responses. My only follow up thought is my father and I share the same first and last name, so his addresses have shown for me before. I'm concerned his records may be getting pulled over for that address.

[Deleted User]

DavefaceFMS wrote: »

I'm concerned his records may be getting pulled over for that address.

In which case, you will see his accounts on your file. Can you?