Should I have bank statements sent to new flat or parents' house?

Maddie

Not sure if anyone's going to be able to help me on this one, but can't make my mind up.

Basically I've just moved out of my parents house and into a flat with my boyfriend. I am not sure if I should change all my details with my bank, credit card etc to my new address or not. My reasons for not doing are;

• I think having just one address on my credit rating might look better.
• All the post for the building (5 flats) comes in together, so there might be a chance for things to go missing.
• When I do move out it might be difficult to have post forwarded on, whereas my parents won't ever be moving so that wouldn't be a problem.

However, I have already had some problems with my credit card not being registered to the flat in terms of buying over the net and having to send things to my billing address.

Would it be ok for me to just give my credit card provider my new address, which would solve the above problem?

Am I just being silly and it doesn't make any difference?

Will my new address be on my credit rating anyway from council tax etc?

Fatboy_NSS

Moving house once won't have any affect on your credit rating. However if you're likely to be moving again within 6 months to a year then you'll be better off keeping it registered at your parents'. Lots of addresses within 3 years definitely knocks points off your credit score, and some lenders won't accept an application if you've had more than 2 addresses.

klondyke

My daughter kept her credit card and bank details registered at old home address for some time after moving out, having previously had trouble getting a credit card at all because a student house she had been living in for a short period had acquired a bad history through previous tenants.

One thing to watch out for, though - when she eventually moved into her own house and was busily buying furniture etc, much to her embarrassment was finding shops not accepting card. On investigation, it transpired that because all this 'stuff' was being ordered for delivery to an address to which the card was not apparently related, it was being investigated for possible fraud.

All sorted now, a nuisance at the time, but good to know they were keeping an eye on things.

Maddie

Thanks for the help.

We will probably be staying here for quite a long time, but the contract is only for 6 months so can't be sure.

I think I will leave things as they are for now and change address details if we have any problems.

homersimpson_3

your parent's house is safer for mail particularly as all post for flats comes in together. why doesn't each flat have its own individual box with key- would take this up with landlord. explain problems of mail possibly going astray etc. would tell bank, credit card company etc where you live and reason for different correspondence address (i.e. potential problems with mail). shouldn't be a problem.