Multiple addresses

lauriem

Hi everyone! I need some advice about multiple addresses affecting my credit report...

Most of my accounts (current account, credit cards, phone bill, any loans etc) are registered to my parents' address, and I am on the electoral roll there.

However, I have always rented in London and move quite frequently, and the utilities accounts, Sky and council tax are all registered in my name at that address.

First, most importantly, is this likely to affect my ID & fraud risk as my most recent London addresses aren't on my credit report? Also, I'd like to benefit from making full payments on utilities accounts at my second home and have that positively benefit my credit file - so how can I link the London address while still keeping my parents' as the primary and current address and be on the electoral roll there?

Thanks in advance!

[Deleted User]

Wherever you live is where you should be registered on the ER

lauriem

I live at both

Willing2Learn

Then your home address is the one you live at, for most of the time.

It should also be the same address that you are registered on the ER, and is used as the same address for all credit accounts. Basically, you want everything to be at the same address.

lauriem

Yes. Which is my situation currently. However I don't benefit from making full payments on my utilities at my second home. Is there any way to do that?

[Deleted User]

lauriem wrote: »

Yes. Which is my situation currently. However I don't benefit from making full payments on my utilities at my second home. Is there any way to do that?

What do you mean by this?

jimbo26

lauriem wrote: »

Yes. Which is my situation currently. However I don't benefit from making full payments on my utilities at my second home. Is there any way to do that?

Again, no idea what you mean by this.

Really you need one address that is showing on your credit files. It needs to be your rented address as this is the address that utility companies will report. You need to be on the ER at your rented address and inform all your banks credit cards etc of your rented address. I suspect you are using your parents as a care of address to stop having to keep notifying people when you move.

SnowTiger

lauriem wrote: »

Yes. Which is my situation currently. However I don't benefit from making full payments on my utilities at my second home. Is there any way to do that?

As far as I'm aware, most utility companies don't routinely report to CRAs.

The only one I've seen on my report is BT.

I have two addresses. I pay bills at both of them and have a few bank accounts registered at one address and a few at the other.

This doesn't seem to have a negative affect on obtaining credit.

Both addresses appear on my credit reports, one as a linked address.

Nebulous2

British Gas reports to CRAs. I have a second home with British Gas as utility supplier and they haven't linked the account to my credit file. I dont care, as I have accounts reporting already. You need to make sure the supplier does report, as a lot of them don't. If they do you could try giving your London home as the supply address and your parent's home as the correspondence address. That might link the address to you.

sargeantsalt

SnowTiger wrote: »

As far as I'm aware, most utility companies don't routinely report to CRAs.

The only one I've seen on my report is BT.

I have two addresses. I pay bills at both of them and have a few bank accounts registered at one address and a few at the other.

This doesn't seem to have a negative affect on obtaining credit.

Both addresses appear on my credit reports, one as a linked address.

I thought almost all utilities do now. Which company does not report? Did you check all credit files?