Can Credit Reference Agencies cross reference Card Payment Details

penners324

Get the addresses changed on all your credit accounts (banks, credit cards, phones, etc etc) changed to your correct address ASAP. They can all be done online.

penners324

Get the Credit Karma and ClearScore apps to see your credit history for free.
Bank accounts closed for unknown reasons 
Mobile phone contract request and credit card requests declined because you have no credit history at your actual address.

mcpitman

SlovakianGuy said:

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

Correct.

demonted

To clarify:

When I first moved into my flat I had active credit agreements, mobiles phone contracts, plus credit agreements which had been settled; all entered whilst at previous addresses and I had no reason to obtain my Credit Report.

I provided my new address to all organisation as a matter of course, although I didn’t have Credit Cards.

With each and every request for my Credit Report, I’ve provided all the details asked; it was the Credit Reference Agencies that stop including my previous addresses, as they automatically remove previous address which are over 5 years old.

Within 3 years of moving into my flat, my Bank closed the Account, not just my Account but that Account to all its customers.

The Bank did this on two more occasions and each time my application was declined until I provided up to date Credit Reports, reports that still listed all my previous addresses. 

As a result of being declined elsewhere, I stopped applying for anything that would require a Credit Check; I’ve not gone out of my way.

Whilst investigating this issue, it was the Bank and other organisations that used terms such as Excellent and Squeaky Clean when referring to my Credit History; terms which my Credit Card providers still use today.

It was also a Bank that used the term “Redlined” as no other possible explanation as to why applications were repeatedly declined.

Due to the “Redlining” of my address, I changed all my existing financial agreements and Contracts to my Parents address.

Some years later, whilst at a Shopping Centre, I was offered to apply for a Credit Card, which I initially declined; however, I was persuaded to apply as the Credit Card provider specialised in providing Credit for those who had been declined elsewhere.

I applied; providing all my details including my address; however during the application, I was persuaded to provide my parents address, supposedly to improve my chances of being accepted.

To my surprise, I was accepted there and then and told to expect my Credit Card in the post within the next couple of days; which I believed, would be delivered to my address but eventually, it arrived at my Parents address.

I wasn’t even asked for ID, proof of income or my employers details.

Then coincidentally, some weeks before my new Credit Card arrived; from a totally different Card Provider, I received a pre-completed Credit Card Application Form at my Parents address; which stated, I’d been selected and approved for a Credit Card and all that was required was to sign and return the Application Form, which I did; and lo and behold, I ended up with two Credit Cards from two different providers.

All Official and Governing Bodies have my home address, thus the Local Council, Police DVLA, NHS, HMRC, DWP as well as Utility and Insurance Co’s and my Landlord.

It was my Bank which suggested it must be my address and used terms such as Redlined and Blacklisted, it was also my Bank who said, it’s not suppose to happen but it does and I had and still don’t, have any reason not to believe them; after all, it’s an establishment I trust with my money and financial transactions; if we can’t trust a Bank, who can we trust. 

I’m certainly not going to jeopardise my Credit History now and link it to an address which I’ve been told is “Redlined” nor do I need to apply for an online credit score either.

I’m happy with my current situation regarding my Credit History.

I never turned to this forum for advice or opinions in regard to my address being “Redlined” I had already accepted that long ago.

Fighter1986

1. Paying your council tax bill with a card registered to a different address won't in and of itself create a link between the two addresses.

2. There is a risk register that Mail Order Agencies refer to when assessing an application but I can't remember off the top of my head what it's called. It's separate to Experian, Equifax, Transunion, CIFAS, and National Hunter.

EDIT: CAMEO and CENSATION provide postcode demographics which insurance companies, mail order companies, and others may use to asess risk associated with a given area. This data isn't used by itself to make a decision, but can be viewed alongside the rest of the information about the applicant, from what they've written on their application form and their credit history, to help asess the risk of insuring you or lending to you.

3. There's no such thing as address blacklisting or redlining.

4. If you've ever changed the address on any accuont you've ever had from or to your flat from or to your parents address, this change will have been reported to the credit reference agencies and created a link between the two addreses. This means, that a lender will see the data at the other address even if you don't provide it in your application.

5. If you have accounts registered to an address different to that which you are registered to vote, it will cause alarm. How each lender handles this is up to them. It might trigger a decline, an underwriter referral, or a request for further informaion.

6. There might be CIFAS markers recorded against you / the address. You need to perform a Subject Access Request with CIFAS to see, and dispute this data if necessary. Not all CIFAS markers are reported on your credit report, you need to request this data separately.

7. National Hunter, a Fraud Prevention Agency, keep a log of all the information you provide on credit applications - this includes, how long you've lived at your address, how long you say you've been with your bank, how long you say you've been with your employer, how much you say you earn, your IP address, and a whole host of other information provided on each application for credit you make. If inconsistencies are identified, National Hunter flag the application as containing "possible discrepancies" - how a lender handles this flag, is up to them. It may result in a decline, referral to underwriter, or request for further information.

8. Flats are notorious for address inconsistencies. There are often minute differences between how the address is formatted on the electoral role, how it's formatted on each account you have, and how it is formatted with the credit reference agencies. This can cause a lender to be unable to locate your creidt file, or be unable to confirm an ID match with the information you've provided. You'll need to review the exact formatting of your address as it appears on the electoral role, and ensure this formatting is mirrored VERBATIM on all of your accounts, and on any applications for credit you make. I've had it in the past where I've lived at

Flat 1, HOUSE HOUSE, STREET STREET, CITY, CA1 2CY. but I've had to type my address as

Flat 1, 1 STREET STREET, CITY, CA1 2CY,
in order for lenders to match me with the credit reference agency. 

9. There's a lot more to creditworthiness that simply "Always paying on time". In addition to the above, lenders will look at
The average age of your accounts - do you keep your accounts open for a long time? Have you opened any new accounts in the last year?
How many credit applications you've made - have there been more than 1-3 credit search footprints on your credit file in the last 6-12 months?
Do you owe much in comparison to your income?
Do your credit card balances always remain low in comparison to their respective limits?
Do you pay off your credit cards in full, or do you tend to have running balances on them that don't often get paid down to zero?

All these factors play into the decision making process and must be considered.

Good luck with all your future endeavours. 

penners324

No address is 'redlined' or 'blacklisted'.
Numerous posters have stated this but you've ignored it. We've told you how to fix it but you've ignored it.

eskbanker

demonted said:

Some years later, whilst at a Shopping Centre, I was offered to apply for a Credit Card, which I initially declined; however, I was persuaded to apply as the Credit Card provider specialised in providing Credit for those who had been declined elsewhere.

I applied; providing all my details including my address; however during the application, I was persuaded to provide my parents address, supposedly to improve my chances of being accepted.

To my surprise, I was accepted there and then and told to expect my Credit Card in the post within the next couple of days; which I believed, would be delivered to my address but eventually, it arrived at my Parents address.

I wasn’t even asked for ID, proof of income or my employers details.

You obtained money by deception.

There's a word for that....

You obviously feel that being persuaded to do this somehow excuses you, but it really doesn't.

You're now in the situation where, as a result of having created two separate identities, you're knowingly trying to perpetuate this even though by now you must understand it's wrong - the whole point of credit files is that they're intended to record a factual history of your actions, circumstances and history, but by deliberately maintaining a pretence that you're two separate unrelated identities you're continuing to deceive anyone needing to ascertain facts about you, so your pride in your fake credit history is entirely misplaced....

demonted

Fighter1986 said:

1. Paying your council tax bill with a card registered to a different address won't in and of itself create a link between the two addresses.

2. There is a risk register that Mail Order Agencies refer to when assessing an application but I can't remember off the top of my head what it's called. It's separate to Experian, Equifax, Transunion, CIFAS, and National Hunter.

EDIT: CAMEO and CENSATION provide postcode demographics which insurance companies, mail order companies, and others may use to asess risk associated with a given area. This data isn't used by itself to make a decision, but can be viewed alongside the rest of the information about the applicant, from what they've written on their application form and their credit history, to help asess the risk of insuring you or lending to you.

3. There's no such thing as address blacklisting or redlining.

4. If you've ever changed the address on any accuont you've ever had from or to your flat from or to your parents address, this change will have been reported to the credit reference agencies and created a link between the two addreses. This means, that a lender will see the data at the other address even if you don't provide it in your application.

5. If you have accounts registered to an address different to that which you are registered to vote, it will cause alarm. How each lender handles this is up to them. It might trigger a decline, an underwriter referral, or a request for further informaion.

6. There might be CIFAS markers recorded against you / the address. You need to perform a Subject Access Request with CIFAS to see, and dispute this data if necessary. Not all CIFAS markers are reported on your credit report, you need to request this data separately.

7. National Hunter, a Fraud Prevention Agency, keep a log of all the information you provide on credit applications - this includes, how long you've lived at your address, how long you say you've been with your bank, how long you say you've been with your employer, how much you say you earn, your IP address, and a whole host of other information provided on each application for credit you make. If inconsistencies are identified, National Hunter flag the application as containing "possible discrepancies" - how a lender handles this flag, is up to them. It may result in a decline, referral to underwriter, or request for further information.

8. Flats are notorious for address inconsistencies. There are often minute differences between how the address is formatted on the electoral role, how it's formatted on each account you have, and how it is formatted with the credit reference agencies. This can cause a lender to be unable to locate your creidt file, or be unable to confirm an ID match with the information you've provided. You'll need to review the exact formatting of your address as it appears on the electoral role, and ensure this formatting is mirrored VERBATIM on all of your accounts, and on any applications for credit you make. I've had it in the past where I've lived at

Flat 1, HOUSE HOUSE, STREET STREET, CITY, CA1 2CY. but I've had to type my address as

Flat 1, 1 STREET STREET, CITY, CA1 2CY,
in order for lenders to match me with the credit reference agency. 

9. There's a lot more to creditworthiness that simply "Always paying on time". In addition to the above, lenders will look at
The average age of your accounts - do you keep your accounts open for a long time? Have you opened any new accounts in the last year?
How many credit applications you've made - have there been more than 1-3 credit search footprints on your credit file in the last 6-12 months?
Do you owe much in comparison to your income?
Do your credit card balances always remain low in comparison to their respective limits?
Do you pay off your credit cards in full, or do you tend to have running balances on them that don't often get paid down to zero?

All these factors play into the decision making process and must be considered.

Good luck with all your future endeavours. 

Thank you for your very thorough and informative response.
I appreciate your time.

Thank you.

demonted

This situation has been resolved. Thank you for all replies and opinions received.