Linked Addresses

[paulito]

Hi, Have asked for advice here a few weeks ago and arranged to go on electoral role, get credit references etc. Having now received my credit report there is one entry i would like clarification on please.

Under the heading ´linked addresses´ there is an entry from Capital One (whom I had a credit card with) dated 06/04/2003 - I do not have any accounts with Captial One anymore and honestly cant remember if I left an outstanding amount with them when I moved to Spain in 2003. Question - does this linked address have any adverse affect on my credit and secondly, I did have defaults at this address back in 2002-03 therefore can any other company use this against me

Thanks for help again - great website

[silverfox1961]

As I see it, so long as there are no defaults listed to your previous address then the linking makes no difference.

 

On my credit report, it lists my addresses going back 9 years but my file is clean

[paulito]

There were defaults attached to the previous address (ie one of the linked addresses) but nothing else detrimental is showing on my credit file today. All previous defaults were from before 2003 so over 6 years old, so presumably statue barred. So I guess while this is listed as a linked address anybody doing credit search could look at history on this old address?? can it be taken off my credit file or there indefinitely? Thanks again

[silverfox1961]

Creditors cannot see further back than 6 years so any defaults registered at that address would be gone.

 

They don't credit check addresses-only people. You are registered at your new address and all a credit report would show is the addresses you lived at for identity verification purposes.

 

So long as your file is clear, nothing to wory about

[paulito]

Thanks Silverfox, great help and reassurance