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Limited address history for CRA sign up
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Ana5
Posts: 2 Newbie

Hi all
i am trying to sign up for clearscore and MSCE credit club in order to keep track of my score but its asking for at least three and six years of address history 'in UK'. I moved to uk less than two years ago. I was able to register with creditkarma which means my name and address combination is unique and other CRAs should not have a problem identifying me, if they let me submit the form.
Now my question is how can i overcome this address history hurdle. Can i simply enter 3/6 years of living at the address instead of two. or would it create a bigger problem for me?
i am trying to sign up for clearscore and MSCE credit club in order to keep track of my score but its asking for at least three and six years of address history 'in UK'. I moved to uk less than two years ago. I was able to register with creditkarma which means my name and address combination is unique and other CRAs should not have a problem identifying me, if they let me submit the form.
Now my question is how can i overcome this address history hurdle. Can i simply enter 3/6 years of living at the address instead of two. or would it create a bigger problem for me?
0
Comments
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Don’t track or monitor your score.
It’s not a thing to monitor and fret over.0 -
Obtaining and monitoring your credit file is a good idea but as most lenders require you to have been in the country for three years it's largely irrelevant until that point though I agree you should be able to, especially to guard against identity theft.
Please never lie about how long you've lived at an address though. Lenders will be able to deduce if this is inaccurate and can register an "application fraud" marker against you with CIFAS - preventing you from opening any new accounts for six years.0 -
Thank you for your replies. I was asking only because i thought, the purpose for address history is to match you to your file and it would only be a fraud if you are getting undue benefit or accessing someone else's file. Also, since these agencies do not offer any financial products, i was not sure whether they would report to cifas etc.
I hope someone here knows a safe alternative to access credit file without three years address history. Otherwise i will wait for one more year.0
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