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Moved to new address and moved back after 6 months

Daniel6105
Daniel6105 Posts: 2 Newbie
in Credit file & ratings
Hi All! I'm in a weird position, I have lived with my parents for years in one address in UK, then 4 months ago I moved out on my own. But I'm moving back to my parents in 2 months. What effect will this have on me? I'd like to get car on finance but I'm worried that when it asks me for my addresses, it will only be the 6 months at my old address and however long I will be at my parents since I moved back in. Is it possible that they ask me for 3 addresses then, to have more than 1 year of history? :( I'm so lost.

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,383 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Daniel6105 wrote: »
    What effect will this have on me?

    Lenders will see the change of addresses on your credit files, assuming you changed your address with your providers.

    It may make you look more unstable in the eyes of some lenders. However, car finance is much easier to get than other types.
  • System
    System Posts: 178,404 Community Admin
    10,000 Posts Photogenic Name Dropper
    Moving address makes you look more "unstable". Which is just stupid in my eyes. You could be a billionaire with perfect credit history but like moving house a lot.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Ninth Anniversary 1,000 Posts Name Dropper
    beany_bot wrote: »
    Moving address makes you look more "unstable". Which is just stupid in my eyes. You could be a billionaire with perfect credit history but like moving house a lot.

    If you are a billionaire, you are unlikely to be troubled by such worries.
  • Daniel6105
    Daniel6105 Posts: 2 Newbie
    Thank you all for the replies. I will try the finance once I move back and see how it goes. Have a great day :)
  • maxximus75
    maxximus75 Posts: 616 Forumite
    Seventh Anniversary 500 Posts Name Dropper
    You are generally asked for your address history for the past three years.
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