How do they keep track of addresses?

[DarkRain]

Exactly how does a credit reference agency keep track of where you are? (besides electoral roll)

 

What I mean is if I have 5 or 6 credit accounts and I notify just one or two (say one bank and my t-mobile) of my NEW address, will the other credit accounts become aware of this?

 

 

I'm curious as to how your entire credit file "moves" with you. Is it simply by the electoral roll?

[247orbital]

Lots of ways, theres been rumours for year the DVLA sell data to the CRA's along with Royal Mail and utilities companies like British Gas etc. DWP wouldn't shock me either, then theres companies like 192.com

[Hazzinho]

You've answered your own question, if you move 1 account from one address to another there is a link.

[james.maperson]

Exactly how does a credit reference agency keep track of where you are? (besides electoral roll)

 

What I mean is if I have 5 or 6 credit accounts and I notify just one or two (say one bank and my t-mobile) of my NEW address, will the other credit accounts become aware of this?

As Hazzinho mentioned, when you tell the one bank and T-Mobile about your new address, they will amend their records and will update CRAs with a link to that new address, as well as changing your account address on the report. If you then apply for credit, the lender will be able to find your bank account and T-Mobile account history by searching for data in your name at that newly created address link. They would be able to find this anyway when you give your new address on the credit application.

 

The other companies will need you to tell them. Even if you didn't tell them, lenders would still be able to see these records because your previous address would have been linked to you when you opened/moved those accounts to that address. Make sure you tell all your lenders that you are moving, as having an active account at a previous address is not a good idea. The lender may send post to that address for you, creating a risk of someone using that information to commit fraud, or the lender may think the active account was actually opened by someone after you moved out, or that you are trying to hide records from them.

 

I hope this makes sense.

 

James

CRA employee