just moved house credit score 30 November 2018 at 2:21PM in Credit file & ratings 3 replies 592 views

petermortgages

Hi, just moved house for the first time. i have lived with my parents for the rest of my life.

my address has changed, i presume i need to change my electoral roll etc before i can get credit because my address and electoral roll will be different.

any other advise for new home owners would be great too in regards to credit scores

MEM62

petermortgages wrote: »

any other advise for new home owners would be great too in regards to credit scores

Yep, they are for amusement value only and have no meaning in the real world.

Run your finances responsibly, use a CC and clear the balance in full every month and ensuring that you are on the ER is all you need to do to keep your credit standing in good shape.

Craig1981

credit scores are for each agency that use them - your lenders do not see this and is meaningless to them - it comes down to your file and history of that file

if it is slim and not much in there, yes, get on to the electoral roll - best way to improve your history is a credit card to use for daily purchases etc, but to be cleared monthly in full, to avoid any interest

DCFC79

Dont focus too much on your score, if it goes down dont fret.