Will this impact my credit score and what do I do about it?

LegalNim

I bought a house last year. Over the last six weeks (ish) we've begun receiving post for people who do not live here and have not lived here since at least 2010 (I know the name of the previous owner who lived here). I assume they didn't live here before then either.
The post arrives to dozens of different names - it includes job application responses, life insurance policies that have been taken out, quotes for car finance etc. We started writing "not known at this address" and posting them but they just came back so we started scribbling out (completely obscuring) the address, then writing "not known at this address" and posting them. I've now also started contacting the companies to say that the person doesn't live here and hasn't lived here. We also weirdly received a parcel - no idea what's in it because it's not addressed to me so I haven't opened it. No return address but I can see it's come from Turkey. My initial instinct says there's some kind of fraud going on and I should report it to Action Fraud but I asked that on a legal forum and was pretty rudely told nothing here is any more than inconvenient and I need to grow up (by a moderator who took my post down immediately).
Then I was speaking to someone I know who used to work tangentially to finance who said that this could impact my credit score if credit is being taken out with my address (or just any suspicious weird stuff). I'm wondering whether I can contact credit rating companies and ask them to prevent any credit being taken out registered to this address unless it's in my name? Is that a thing?

DCFC79

It can't affect your score as only you see it, lenders see your history.
Anymore parcels arrive, you need to keep them for a set  period of time.

Have you checked all 3 credit reference agencies ?
Anything untoward on there ?

Is the post always for the same name, same surname ?
Well someone has been applying for jobs and they wont get the responses.

Keep on marking the post as you have been doing.
You can report it to action fraud but all that will be done is it will be logged.

LegalNim

DCFC79 said:

It can't affect your score as only you see it, lenders see your history.
Anymore parcels arrive, you need to keep them for a set  period of time.

Have you checked all 3 credit reference agencies ?
Anything untoward on there ?

Would it not become part of my "history" if someone or multiple people take out credit registered to my address when they don't live here? 
Nothing has been taken out in my name - none of this is to my name, just my address.

zzyzx1221

LegalNim said:

DCFC79 said:

It can't affect your score as only you see it, lenders see your history.
Anymore parcels arrive, you need to keep them for a set  period of time.

Have you checked all 3 credit reference agencies ?
Anything untoward on there ?

Would it not become part of my "history" if someone or multiple people take out credit registered to my address when they don't live here? 
Nothing has been taken out in my name - none of this is to my name, just my address.

No, your history is specifically your history. Your house is not you.

LegalNim

DCFC79 said:

It can't affect your score as only you see it, lenders see your history.
Anymore parcels arrive, you need to keep them for a set  period of time.

Have you checked all 3 credit reference agencies ?
Anything untoward on there ?

Is the post always for the same name, same surname ?
Well someone has been applying for jobs and they wont get the responses.

Keep on marking the post as you have been doing.
You can report it to action fraud but all that will be done is it will be logged.

Sorry, just saw your edited post with more questions.
No, never for the same name or same surname. 

Puddles83

Credit Histories aren’t linked to door numbers, only individuals. If it’s not in your name, it’s not on your history.
Inconvenient or not, keep doing what you’re doing, and check your 3 files
regularly.

DCFC79

I understand its an annoyance but to write on the envelope doesn't take much nor is it a problem to put it in the post box.

[Deleted User]

You could always open the parcel and find the sender details and contact them (or just give it back to the royal mail and let them sort it - it'll probably end up in the national return centre in Belfast for them to deal with). Contrary to popular belief, opening mail not addressed to you is not a crime, only if you do it with malicious intent e.g. to steal a credit card. Just keep on doing what you are doing, cover up the address and put back in the post box. Your credit history is unique to you, it moves with you, not tied to an address so even if someone is committing some sort of fraud e.g. using an address to get a cheaper policy, it is not tied to you and you can show you have been returning all the mail correctly. I wouldn't ring the firms, they probably won't speak to you anyway as the policy is not in your name and there could be malicious reasons why a person could be doing it e.g. an abusive ex partner causing problems

MalMonroe

Don't open the mail because the UK Postal Services Act 2000 section 84 states: "A person commits an offence if, without reasonable excuse, he - (a) intentionally delays or opens a postal packet in the course of its transmission by post".

Contrary to popular belief, it IS illegal to open someone else's post.

MalMonroe

Deleted_User said:

You could always open the parcel and find the sender details and contact them (or just give it back to the royal mail and let them sort it - it'll probably end up in the national return centre in Belfast for them to deal with). Contrary to popular belief, opening mail not addressed to you is not a crime, only if you do it with malicious intent e.g. to steal a credit card. Just keep on doing what you are doing, cover up the address and put back in the post box. Your credit history is unique to you, it moves with you, not tied to an address so even if someone is committing some sort of fraud e.g. using an address to get a cheaper policy, it is not tied to you and you can show you have been returning all the mail correctly. I wouldn't ring the firms, they probably won't speak to you anyway as the policy is not in your name and there could be malicious reasons why a person could be doing it e.g. an abusive ex partner causing problems

Contrary to your belief, it IS a crime to open someone else's post, see The Postal Services Act 2000, section 84. UK government publication.

molerat

MalMonroe said:

Don't open the mail because the UK Postal Services Act 2000 section 84 states: "A person commits an offence if, without reasonable excuse, he - (a) intentionally delays or opens a postal packet in the course of its transmission by post".

Contrary to popular belief, it IS illegal to open someone else's post.

I am afraid you are wrong. That refers to whilst the mail is in transit and not once correctly delivered to the address specified.