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    • Sean_LDN
    • By Sean_LDN 15th Feb 17, 5:27 PM
    • 7Posts
    • 0Thanks
    Equifax - address confusion affecting credit score
    • #1
    • 15th Feb 17, 5:27 PM
    Equifax - address confusion affecting credit score 15th Feb 17 at 5:27 PM
    Has anyone managed to resolve address problems with Equifax? It seems a few people have had these from searching online.

    The problem is essentially that I live in a flat that doesn't appear on the Royal Mail's address system, but does on the electoral roll. All my bank accounts have the address as 8 Acacia Road - because they will only accept the Royal Mail system's addresses. The Electoral Roll has the house number and flat number running together as in 8C Acacia Road.

    Because of this, I've found I have a terrible credit score on Equifax. It appears I have no credit history, no accounts, no credit cards. I registered with Credit Compass and it instantly showed all my accounts, so this problem seems to be specific to Equifax. I've tried calling and they are refusing to offer any help.

    Anyone managed to resolve this? I'm about to apply for my first mortgage and worried it will scupper my chances.
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    • zx81
    • By zx81 11th Jun 17, 10:21 PM
    • 16,460 Posts
    • 17,511 Thanks
    Your mortgage man is a moron. No one sees your credit score apart from you.

    Punch him in the face and get a proper broker.
    • Delboy28
    • By Delboy28 11th Jun 17, 10:22 PM
    • 3 Posts
    • 0 Thanks
    Equifax have said my score is poor due to all my credit agreements not tied to the flat number with all main details my ID and voting register
    • zx81
    • By zx81 11th Jun 17, 10:23 PM
    • 16,460 Posts
    • 17,511 Thanks
    Sounds like you shouldn't ask Equifax to give you a mortgage.
    • By PROLIANT 12th Jun 17, 12:23 AM
    • 6,023 Posts
    • 5,586 Thanks
    Ok, as stated previously - forget about the score, this is a marketing tool provided by the credit reference agency.
    I have a very poor score yet my bank gave me a Platinum credit card, it is statistical data based on your peers who's credit profile falls in-line with yours, basically a mortgage will not be an automated binary answer based on a scoring system, an underwriter will ultimately decide if you get it or not.
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
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