We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Address and Credit files

Options
[Deleted User]
[Deleted User] Posts: 0 Newbie
10 Posts Name Dropper First Anniversary
edited 28 April 2023 at 2:32PM in Credit file & ratings
I've recently moved and with doing so I have also updated my address with the electoral register. Since doing this, 98% of my accounts have been removed from all three CRA's, all of whom I have also updated my address with. Two out of the three CRA's are still showing my old address too, surely this isn't right? 

Out of 8 open accounts I have, all but one have been removed.. the only remained one is the one I haven't updated my address with. The other 7 accounts have completely gone, not even showing in the closed account section. 

Comments

  • surly this isn't right? 

    I'm not surly. I'm just very serious.

    Sounds like there's a matching error, probably cause by you updating the address with the CRAs, rather than letting it fee through.  Raise a dispute with each CRA.
  • surly this isn't right? 

    I'm not surly. I'm just very serious.

    Sounds like there's a matching error, probably cause by you updating the address with the CRAs, rather than letting it fee through.  Raise a dispute with each CRA.
    Oops!

    Thank you for your reply. I have not updated my address directly with each CRA, I was under the impression this was done from sourcing data from the local authorities etc.? 
  • 98% of my accounts have been removed from all three CRA's, all of whom I have also updated my address with. 

    It is. But I interpreted this as meaning you updated your address with all three CRAs.

    Either way - just raise a dispute. It'll be a relatively easy fix.


  • 98% of my accounts have been removed from all three CRA's, all of whom I have also updated my address with. 

    It is. But I interpreted this as meaning you updated your address with all three CRAs.

    Either way - just raise a dispute. It'll be a relatively easy fix.


    My mistake, I meant to say I'd update my address with all my creditors. I'll contact the CRA's.
  • MrFrugalFever
    MrFrugalFever Posts: 1,301 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    This happened to me when I updated my address, if you are looking at the free credit broker reports (clearscore/credit karma etc) then you will soon see them return with the correct addresses. If you request a free statutory credit report from the CRA's directly you should see more real-time data and all of your accounts on there. Wouldn't worry, it can take 1-2 months for them to refresh and return, lenders will possibly see them even if they've disappeared but if not (if you're applying for credit) they will almost certainly request proof of address history in the form of bank statements, council tax letter, utility bill etc.
    If you believe you can, you will. If you believe you can't, you won't.

    Secured/Unsecured loans x 1 
    Credit Cards x 8 (total limit £55,050)
    Creation FS Retail Account x 1
    Creation Credit Sale 0% x 1 = £112.50pm x 20 mths
    0% Overdraft x 1 (£0 / £250)
    Mortgage Outstanding - £137,707.00 (Payment 13/360)
    Total Debt = £7,400 (0%APR) @ £100pm - Stoozing

Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.9K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.9K Work, Benefits & Business
  • 598.8K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.