Address and Credit files

[Deleted User]

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. 

MorningcoffeeIV

Deleted_User said:

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.

[Deleted User]

MorningcoffeeIV said:

Deleted_User said:

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.? 

MorningcoffeeIV

Deleted_User said:

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.

[Deleted User]

MorningcoffeeIV said:

Deleted_User said:

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

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.