Affect of multiple address changes on credit file

[EB89]

Hi all,

Just wondered if anyone has any concrete knowledge around the effect of multiple address changes on someone's credit file?

I'm in a situation at the moment where I'm renting and saving up funds to buy my first home, but I'm not quite there yet...Likely 6-12 months away from actually having somewhere to move into.

For this reason, I'm very cautious about my credit file and monitor it very closely. I do, however have a few motivations to move out of my current (Shared) rented accommodation.

So I wondered, if I where to change my address in the next few weeks...Would that have a significant impact on my credit file for say 6 months time when I'm doing a mortgage application?

There may be heightened sensitivity around the scoring as I will be likely doing a 5% mortgage too (Though affordability scoring will be pretty good.)

I'm on the electoral role as I should be and would obviously shift this if I moved again.
However I do have five addresses in the last 5 years (Including current)

Have tried a few lenders but they give very high level generic answers or simply refer me to credit scoring companies who then do the same.

[Pothole]

Effect. Could you not speak to an advisor at your bank?

[JapanRed]

One address change is not likely to have an effect but several address changes over a short period (eg 3 addresses in 2 years) would have some effect. How much of an effect I don’t know but the more addresses in a shorter time the larger the effect will be.

When I split from my ex wife 8 years ago I had about 4 addresses in 3 years and my credit rating took a bit of a hit, to the point where I applied for a loan and had to accept a higher than advertised rate.