Bad credit rating on house?

[JonX2C]

Hi all

Dont know if this is true or not, but I remember my parents telling me many moons ago that if someone gets black listed, the property that they reside at also has a lot of problems getting credit.

Im moving into a new flat (rented) on 1st July and I have found a document on the net which shows that a previous tennant or owner of the property back in 1995 had a few problems against CCJ's and other things like that against him.

Does this actually hinder new tennants in any way, does the house get black listed or just the original person who had the problems??

[Stevenj214]

As far as I'm aware, blacklisting addresses used to be the case, but now it goes on personal credit history.

[Plotloss]

Old wives tale.

They've got the ability to do it in the scoring software but it isnt implemented.

[wolf1]

I have a good credit rating but have been having substantial problems since I bought a repossessed house. The previous owners mail still comes here and it seems to be all bills and bailiff letters. They get piled up and then shoved back in the post box with RTS not at this address. Even though I’m on the electoral role, this still doesn’t stop them and I have had problems with being refused a Vodaphone mobile internet package and Sky. When I ask what the problem is I just get the standard data protection line that they can’t tell me. It’s funny that I could obtain both from my mothers address though.

[JustinP1]

wolf1 said:

When I ask what the problem is I just get the standard data protection line that they can’t tell me.

This is actually a fallacy.

The DPA is actually there to protect YOU. It is actually your right to ask why you have been rejected and get a written answer - it is also your right to know exactly is on their files about you.

They may tell you that it their credit scoring system that has 'failed' you. However...

Another poorly known fact is you have the right to know whether it is an 'automated' scoring system or not. If it is, which is 99% of the time you also have the right not to be assessed by an automated scoring system and have your case assessed by a real human being.

That may help you in these kinds of situations in the future.

Be warned though that the frontline callcentre people have no idea of the DPA, nor will most of their supervisors until you explain it to them and force the issue.

Edited by JustinP1 on Friday 19th June 21:27

[wolf1]

JustinP1 said:

wolf1 said:

When I ask what the problem is I just get the standard data protection line that they can’t tell me.

This is actually a fallacy.

The DPA is actually there to protect YOU. It is actually your right to ask why you have been rejected and get a written answer - it is also your right to know exactly is on their files about you.

They may tell you that it their credit scoring system that has 'failed' you. However...

Another poorly known fact is you have the right to know whether it is an 'automated' scoring system or not. If it is, which is 99% of the time you also have the right not to be assessed by an automated scoring system and have your case assessed by a real human being.

That may help you in these kinds of situations in the future.

Be warned though that the frontline callcentre people have no idea of the DPA, nor will most of their supervisors until you explain it to them and force the issue.

Edited by JustinP1 on Friday 19th June 21:27

Thanks Justin I did think that was the case but wasn't even close to being in the mood to argue for ages over the phone with them. Ended up re applying the next day but from my mothers address (I still have some paperwork going there as I've moved round a bit in the last few years) got accepted and then just changed address the next month to the one I was rejected for.
The one think that identifies us all and would make credit easier and help sort out any identity mistakes they never ask for. I'm not sure of the implications of using NI numbers but IMO it could help tidy it all up some.