credit agency problems

Former Member

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Former Member

The best things to do would be to check the electoral roll at the council to make sure that you are registered and the property is registered and to check with Royal Mail to make sure they have the property recorded. It could be something as simple as the format in which you give the address, it is probably worth checking to see if your property is recorded in a slightly different format to the way you deliver it to the companies you're trying to take credit out. If you're not on the electoral roll then you'll struggle to convince people that you're at that address.

You can get a copy of your credit report for the statutory fee of £2 per report from each of the three credit reference agencies Experian, Equifax and Call Credit. Experian are the biggest credit reference agency. It might be worth getting a copy of your report and that of your partner to make sure that there's nothing untoward on the file.

Former Member

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Former Member

What does the land registry have the property listed as? I'd be tempted to just call it 9-3A.

Former Member

Former Member

Will moing fix the problem though, as you will still need to be searchable by recent previous addresses?

Former Member

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Former Member

That sounds like a nightmare to sort out! As Artic Roll suggests, I would check how your flat is officially registered, that seems to be the most logical explanation from what you've said.

Other things which can cause potential problems with getting credit are if you have unused credit limits on anything such as credit/store cards/overdrafts. It's always best to reduce/close unused facilities as applications for new credit can be affected by these. Often the decision is declined due to the lender feeling you have access to too much credit either with themselves or elsewhere.

Also if you've had a loan in the past, I have heard of accounts not being closed properly once the debt is paid off, so it still shows as unpaid debt when the credit report is run. Always worth checking your credit report after you've made your final repayment on a loan, etc.