Previous addresses and credit applications.

[Kozy]

I just got my experian credit report though, and it's not as dirty as I thought, still no indications of why I am so untouchable on loans apart from one thing, previous adresses.

I have 5 previous adresses listed, previous and current main family homes whilst living with parents (A and B), my current rented accomodation (C), my uni address (D) and and an interim accomodation in between the two family homes (E). It links all addresses to B, but when making applications I have only ever mentioned my C and B, would neglecting to mention the others be a reason to decline credit?

I have managed to get one credit card using only those two addresses. I would try again declaring all addresses but I cannot afford another decline on my record.

Any thoughts on the matter?

[Ungarsee]

When it comes to credit searches you need to list ALL addresses lived at over the period asked, normally 3 to 5 years. If you miss an address that you were registered at then it will set off all kinds of warning bells and chances are you'll be knocked back. Think of it like a CV when you're applying for a job. If there's a 6 month unexplained employment gap they're going to want to know why you've omitted it and it's not going to leave a good impression.

Also, if you're not already on the electoral roll at your current address get registered on it before you apply for anything else.

[Kozy]

Already on the electoral roll, no missed payments in the last 12 months, couple from about 2/3 years ago, yet I get turned down for absolutely everything and the addresses is the only thing I can pin it on.

I'll try again in a week or two and see if it makes a difference.

[Kozy]

Anyone else got an opinion/experience of this, I'm getting mixed opinions on this elsewhere...

[eybic]

If you have signed up for the credit expert thingy then you can call experian and discuss it with them. They should be able to suggest what may be causing a problem. You can get a free trial anyway.