Is your address linked to your credit rating?

[Tonsko]

That's not exactly what I wanted to ask - but the thread title is only so long.

Following on from the 192.com thread, someone's comment made me think, and I thought I might put it to the collective brains.

I run a campsite, which allows people to stay on there long term - a mixture of folk working away from home and those who prefer to not have a home. They are not gypsies.

Anyway, he's put our address down for places, which annoyed me a little bit - 1) he should have asked, and 2) he could have put 'name of caravan site' instead of my address.

Should he default on a loan or what have you, might that affect my credit record? What other nasty things could befall? Is there a reason to make him change it?

[deveng]

Sorry who is he?

[Caulkhead]

deveng said:

Sorry who is he?

One of the gypsies that don't live on the OP's gypsy site.

[Tonsko]

[Tonberry]

He will now be linked to yor address, yes. Shouldn't affect you though as you are obviously not him and don't share his name.

[davido140]

http://www.creditexpert.co.uk/ is quite good fun, show you more than you ever wanted to know about your credit history!

Edited by davido140 on Sunday 15th May 10:41

[V8mate]

Addresses stopped being part of your credit score some years ago. They are still used to check your ID and whether you move house every six months, but you can no longer have your score tainted by another person resident/listed at the same address.

[Tonsko]

Thank you.

[Caulkhead]

davido140 said:

http://www.creditexpert.co.uk/ is quite good fun, show you more than you ever wanted to know about your credit history!

Edited by davido140 on Sunday 15th May 10:41

It also misses out large parts of your credit history that lenders have available to them and will constantly try to sell you entirely made up 'credit scores' which are meaningless.

[Miguel Alvarez]

Caulkhead said:

davido140 said:

http://www.creditexpert.co.uk/ is quite good fun, show you more than you ever wanted to know about your credit history!

Edited by davido140 on Sunday 15th May 10:41

It also misses out large parts of your credit history that lenders have available to them and will constantly try to sell you entirely made up 'credit scores' which are meaningless.

Does it?

[FamilyDub]

V8mate said:

Addresses stopped being part of your credit score some years ago.

^^ This. It's the individual, not the address.

We bought a repossessed house two years ago and we've had no issues getting new cars, credit cards, etc...