Address history confusion

Hi all,

I'm fairly new to credit reports and trying to get my head around how things work.

I'm interested in applying for a credit card for the first time, and have been perfect at paying on time with bills etc., but am worried that I'll be rejected because of my inconsistent address history.

What I'm confused about is how important it is to keep your address history consistent on all your credit reports between Experian, Transunion and Equifax. I've moved about quite frequently in the last few years due to university and internships, and so my address history is inconsistent across all 3 reports. On Experian, it shows far more addresses and jumping between home and university, than say, Transunion - which seems to just have my home address before a year ago.

I've moved twice in the last year, and my name isn't yet on the electoral register and am waiting until I'm registered before applying for a credit card.

Is it dangerous to go on Experian and change your address history (i.e. remove addresses and make it only my home address) as this seems very easy to do on my online account? Is it worth making sure all of my address history is consistent, and is this even possible? Will this damage my chances of being accepted for a credit card? On the offers for credit pages, I'm getting 80% - 95%/pre-approved chances if that helps.

Any help would be much appreciated.

Jesse 


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