Can Credit Reference Agencies cross reference Card Payment Details

eskbanker

I agree with previous posters that you're extrapolating unsupportable conclusions from hearsay, misinformation and circumstantial 'evidence', but if you're still on the electoral roll at your flat while also registering some credit arrangements at a different address then how is this inconsistency reflected on your credit files just now?

demonted

eskbanker said:

I agree with previous posters that you're extrapolating unsupportable conclusions from hearsay, misinformation and circumstantial 'evidence', but if you're still on the electoral roll at your flat while also registering some credit arrangements at a different address then how is this inconsistency reflected on your credit files just now?

I’ve no idea but regardless of opinions I can only relay what I’ve experienced and what the Bank told me initially. 

Since, I’ve been using my Parents address for all agreements and contracts which would normally require a credit check, I’ve never been declined; I’m not even on the Electoral Roll at my Parents address.

I guess, someone will say it’s because my Credit File has two addresses; which yeah, during the first two or three Credit Reports both my new address (My Flat) and my Parents address was shown, with my Parents address listed as a previous address; although eventually, once credit accounts taken out whilst living at my Parents were cleared; the only address shown was the address of my flat, with no previous address listed.

   However, I’ve never applied for a Credit Report using my Parents address.

When all this first occurred and caused the problems it did; because my Credit Report didn’t show any Defaults, CCJs or late payments, no one was able to definitively explain why my Credit Checks were being declined, hence why I started using my Parents address.

I’m not looking for answers in regard to my address being “redlined” or why my Credit Checks are being declined when using the address of my flat; I wanted to know if Credit References Agencies have the means to link my current Bank Account Debit Card to the address of my flat, if I use my Debit Card to pay either my Council Tax or Utility Bills for the flat.

SlovakianGuy

There's also not such thing as blacklisted address, right?

My friend used to tell me she can't get a credit card as her address is blacklisted because of previous tenants. In fact she only had a 'thin file', never had a credit card or other form of credit before.

demonted

When I first moved into my flat I had all kinds of financial agreements; many had been cleared a couple of years earlier without Defaulting or missing payments and a couple still had a few years to go, plus there was my mobile phone contracts and I’d been paying my car insurance by instalments for over 10 years.

However, the post to this thread, appear to be l fixating on reasons and explanations as to why Credit Checks are being declined when I use the address of my flat; where I was and still am on the Electoral Roll but not declined when I use my Parents address, when at the time, I’d not lived for over 10 years and wasn’t and still NOT on the Electoral Roll.

However, it appears that any replies in regard to my initial question will  be personal opinions and theories rather than definitive answers based personal knowledge and experience, therefore, this thread has run its course.

Thank you.

eskbanker

demonted said:

I’m not looking for answers in regard to my address being “redlined” or why my Credit Checks are being declined when using the address of my flat; I wanted to know if Credit References Agencies have the means to link my current Bank Account Debit Card to the address of my flat, if I use my Debit Card to pay either my Council Tax or Utility Bills for the flat.

That question was answered on the previous page, but my point was that if you have credit arrangements registered at one address while you're on the electoral roll at another, then there will already be a link in credit files between your uses of these two separate addresses.  Hence my question of exactly how your current situation is reflected on your credit files - you don't have a separate credit file/report per address, you have one (per agency) for you as an individual....

demonted

If you’re referring to the original question being answered, it wasn’t; a forum member gave an opinion.

The most recent Credit Report usIng the address of my flat doesn’t shows any of my current financial commitments, no mention of my Credit Cards or any previous financial agreements, doesn’t even show any of my previous addresses because since the issue became apparent; I’ve paid all bills relating to my flat in cash at the Post Office or at a Paypoint outlet; also, since being declined for a Store Card; I stopped applying for anything that would warrant a Credit Check.

At the time of obtaining the most recent Credit Report, I had two Credit Cards active, still do now, also had two monthly mobile phone contracts, (only one now) and I was paying off an item bough on credit from an electrical store, although all such agreements and commitment, were taken out using my Parents address and none of which are shown on the Credit Report.

I’ve never requested a Credit Report using my Parents address.

 

SnowTiger

demonted said:

If you’re referring to the original question being answered, it wasn’t; a forum member gave an opinion.

The most recent Credit Report usIng the address of my flat doesn’t shows any of my current financial commitments, no mention of my Credit Cards or any previous financial agreements, doesn’t even show any of my previous addresses because since the issue became apparent; I’ve paid all bills relating to my flat in cash at the Post Office or at a Paypoint outlet; also, since being declined for a Store Card; I stopped applying for anything that would warrant a Credit Check.

At the time of obtaining the most recent Credit Report, I had two Credit Cards active, still do now, also had two monthly mobile phone contracts, (only one now) and I was paying off an item bough on credit from an electrical store, although all such agreements and commitment, were taken out using my Parents address and none of which are shown on the Credit Report.

I’ve never requested a Credit Report using my Parents address. 

I guess as far as the outside world is concerned you live with your parents.

I can't think of a realistic way your address could be linked to your parent's address if you pay your bills via bank transfer.

If you pay your bills by debt (or credit) card you'll likely be asked what address the card is register at.  I very much doubt that would cause a linked address entry to appear on your credit files.  I've paid TV licence, energy bills, telephone bills, etc for my mother (who lives at a different address) and a link hasn't been created on my credit files.

What are you going to do?  You can't go to the Post Office to make payments for, perhaps, eighteen months or more because you and your parents are scared of catching COVID-19; and you can't make payments by debit (or credit) card because you're scared payees will discover where you live.  Do you have any friends or other family members (who could help)?

demonted

SnowTiger said:

demonted said:

If you’re referring to the original question being answered, it wasn’t; a forum member gave an opinion.

The most recent Credit Report usIng the address of my flat doesn’t shows any of my current financial commitments, no mention of my Credit Cards or any previous financial agreements, doesn’t even show any of my previous addresses because since the issue became apparent; I’ve paid all bills relating to my flat in cash at the Post Office or at a Paypoint outlet; also, since being declined for a Store Card; I stopped applying for anything that would warrant a Credit Check.

At the time of obtaining the most recent Credit Report, I had two Credit Cards active, still do now, also had two monthly mobile phone contracts, (only one now) and I was paying off an item bough on credit from an electrical store, although all such agreements and commitment, were taken out using my Parents address and none of which are shown on the Credit Report.

I’ve never requested a Credit Report using my Parents address. 

I guess as far as the outside world is concerned you live with your parents.

I can't think of a realistic way your address could be linked to your parent's address if you pay your bills via bank transfer.

If you pay your bills by debt (or credit) card you'll likely be asked what address the card is register at.  I very much doubt that would cause a linked address entry to appear on your credit files.  I've paid TV licence, energy bills, telephone bills, etc for my mother (who lives at a different address) and a link hasn't been created on my credit files.

What are you going to do?  You can't go to the Post Office to make payments for, perhaps, eighteen months or more because you and your parents are scared of catching COVID-19; and you can't make payments by debit (or credit) card because you're scared payees will discover where you live.  Do you have any friends or other family members (who could help)?

SnowTiger....  I can’t see why you’re taking this so personal and getting so worked up.

Yes, I am fearful of catching the Coronavirus because I don’t want to die, nor do I want to risk passing the virus onto my Parents and maybe causing their deaths.

I’m also a carer for my Parents and I’m fearful of the implications should I catch the virus and be admitted into Hospital.

Nor do I want to Jeopardise my Credit History by linking it to my address after ensuring I’ve kept all my financial commitments separate.

All genuine concerns, hence my question to this forums, so why ridicule and trivialise my worries and predicament.
 

I do have friends but I don’t like to ask or involve friends in my financial affairs or ask them to pay bills on my behalf.
 

No, I don’t have family that can help and if I did; for the same reasons as involving friends, I wouldn’t like to ask. 

I live at my flat and all my cars and motorcycles, my Driving Licence, Greenflag Membership and Insurance (paid in full Yearly ) all use the address of my flat.

Even if I was living at my Parents house, what does that matter; other than my own personal preferences, there’s no reason why I couldn’t and unless it jeopardised my Credit History, there’s no reason why I would need to hide it.

The question I asked, was to glean information to help decide how I deal with my predicament; I’ve shared far more than I believe was necessary in response to questions asked, so why the desire to belittle and ridicule.

eskbanker

demonted said:

The most recent Credit Report usIng the address of my flat doesn’t shows any of my current financial commitments, no mention of my Credit Cards or any previous financial agreements, doesn’t even show any of my previous addresses because since the issue became apparent; I’ve paid all bills relating to my flat in cash at the Post Office or at a Paypoint outlet; also, since being declined for a Store Card; I stopped applying for anything that would warrant a Credit Check.

At the time of obtaining the most recent Credit Report, I had two Credit Cards active, still do now, also had two monthly mobile phone contracts, (only one now) and I was paying off an item bough on credit from an electrical store, although all such agreements and commitment, were taken out using my Parents address and none of which are shown on the Credit Report.

I’ve never requested a Credit Report using my Parents address. 

demonted said:
Nor do I want to Jeopardise my Credit History by linking it to my address after ensuring I’ve kept all my financial commitments separate.

[...]

I live at my flat and all my cars and motorcycles, my Driving Licence, Greenflag Membership and Insurance (paid in full Yearly ) all use the address of my flat.

Even if I was living at my Parents house, what does that matter; other than my own personal preferences, there’s no reason why I couldn’t and unless it jeopardised my Credit History, there’s no reason why I would need to hide it.

I think you're still missing the point - you proudly speak of your 'squeaky clean' credit status but what you actually appear to have is two completely separate identities that haven't been linked by the credit agencies, i.e. they haven't realised that the person with your name and DOB who lives at your flat is the same person as the one at your parent's address.  The reason they haven't linked the two identities is because by your own admission you've gone to great lengths to prevent them from doing so, presumably by failing to provide accurate information when asked about where you actually live and what your previous addresses are.

You clearly don't see any sort of issue with making false declarations, but once your deception is unearthed (whenever that may be) you will have some pretty awkward questions to answer, whether they're from financial institutions, National Hunter, CIFAS, government agencies such as DVLA or HMRC, or the police....

freesha

SlovakianGuy said:

There's also not such thing as blacklisted address, right?

Correct. It used to be the case, to some extent; not anymore.