credit file - linked addresses

[razorc]

hi all , how long does linked addresses stay on your credit file , and can these be removed ?

 

 

thanks all

[buttonsbling]

Hi razorc,

 

I had my parents address linked to my home address for some reason on my MS credit Card.

 

I rung Morgan Stanley and they said that they were unable to remove it. So I wrote to Experian and told them that I had not lived at my parents address for 18 years !!! I have just the other day received a letter back to say that the linked address has been removed. Al in all it took about 6 weeks.

 

Hope this helps

[razorc]

i've noticed one address on it thats just over 6 years old

was wondering is it 6 years the link addresses stay on

 

i will write to them about the one thats over 6 years old thou , feckers

 

 

 

thanks there for info

[buttonsbling]

you are welcome razorc.......

 

I don't know about the 6 year rule on linked addresses - sorry !!

[Risky1]

Thats great to know as I have a mass of linked addresses that are well over 6 years old I think I will contact experian to get this rectified. Its not that but Insurance Companies look at this if you make a claim and run searches on them also

[Guest grizzleguts]

Risky, write a letter to Experian and title the letter "NOTICE OF DISASSOCIATION".

In the letter explain that you are no longer or have ever been associated with that address. The letter is formal notice of removal, not complying is breach of the DPA for publishing incorrect Data.

Keep a copy of the letter and send recorded delivery or get a proof of postage receipt from the post office.

[1pc1]

Hi

 

Is it only experian that holds linked addresses or do callcredit and equifax also have linked addresses on credit files.

 

Thanks

[Guest grizzleguts]

sorry for a late reply, i spend a lot of time out of the U.k, but all CRA's you woukld need to send the letter

[vogelrok]

i noticed this on mine. have sent a request to Experian to have them removed. as i have lived at my present address for 7yrs now. i dont believe the linked addressess should linked anymore and should be removed asap.

 

see what happens.

[vogelrok]

just a bit of an update with regards to Link Addresses on your credit file. i have managed to get 2 removed from mine.

 

here is part of the reply i got which i hope helps others get there credit file in order.

 

We retain address links on your credit report for eight years from the date of information. Linked addresses are created when companies move a credit account from one address to another, or when they search more than one address when processing a credit application, or from information you have given to us. You may not necessarily have lived at a linked address for it to be shown on your report but you, or someone you have had a financial connection with, should have had some financial connection with it.

[midge61]

well it's no wonder dca's go around chasing the wrong people.

 

Surely once you have moved out of an address and registered new address on electoral roll the old address should be removed.

[vogelrok]

i fully agree with you midge.

 

this is something i cant get my head around.

 

if any employer was to give you a bad refrence you can have them done. as it might stop you moving on in life.

 

so how come you can have a bad refrence recorded against you for credit which could stop you moving on in life.

 

i think the guy that beat PC world and the creditor for the laptop. has pretty much proved it. if you have a default or something on your credit file that stops you moving on in life and bettering yourself.

 

i don't know maybe im barking up the wrong tree.

[1pc1]

I got this reply from a "NOTICE OF DISASSOCIATION" I sent to Experian.

 

http://i239.photobucket.com/albums/ff167/1pc1/experianremovereply01.jpg

 

I have got something like 60 linked addresses and some mean nothing to me and apart from the last three I have lived in, they are all over 6 years.

 

Should these not be dropped off my credit file.

 

Thanks

[vogelrok]

I got this reply from a "NOTICE OF DISASSOCIATION" I sent to Experian.

 

http://i239.photobucket.com/albums/ff167/1pc1/experianremovereply01.jpg

 

I have got something like 60 linked addresses and some mean nothing to me and apart from the last three I have lived in, they are all over 6 years.

 

Should these not be dropped off my credit file.

 

Thanks

 

i know its not right it should be 6yrs at all. something to be looked at in the data protection act.

 

just list all the ones that are over 8yrs old for now and send them all back. they will have to remove them. and any address you are not linked to request to have the link removed.

 

if you need proof of this i can scan my letter with there statement in it.

[1pc1]

I would appreciate a scan of your statment from them.

 

Thanks

[Hobbie]

Linked addresses should remain no longert han 3 years on your credit file, an address gets linked when

 

a) You have moved, and informed a creditor of your new address, this then links the two

b) You apply for new credit, and have not lived at your current address for the past 3 years. Creditors search your previous to ensure you have nothing "outstanding" or "adverse".

[1pc1]

Not according to Experian as my credit file is full of ones from the nineties and early 00's and they haven't removed them after I asked them to.

 

How can cra's be forced to remove them if three years is all they should stay on your file for.

 

Thanks

[vogelrok]

I would appreciate a scan of your statment from them.

 

Thanks

 

 

sorry for the late reply. it was an email im a numbnut been looking for a letter lol.

 

here you go minus my details that aint needed.

 

Dear Mr xxxxxx Thank you for your query received on 27 May 2008. I am deleting the following address links from your :

 

"MR xxxxx GROUND FLOOR FLAT, 41b: BARCLAYCARDDate of information: 18/07/99"

 

"MR xxxxxxxx, JUBILEE TERRACE, : BARCLAYCARDDate of information: 12/03/00"

 

 

Your report will change in the next seven days. Please use this correspondence if you need proof in the meantime. I am telling all the companies that have searched your in the last six months of the change to your information. We retain address links on your for eight years from the date of information. Linked addresses are created when companies move a credit account from one address to another, or when they search more than one address when processing a credit application, or from information you have given to us. You may not necessarily have lived at a linked address for it to be shown on your report but you, or someone you have had a financial connection with, should have had some financial connection with it. If you feel any information is incorrect please let me know and I will be happy to assist you further.

Yours sincerely

Miss Stacey Kerry

Consumer Service Officer

CreditExpert cc

Abbey National Plc

 

im not happy about it so have sent a email back stating that due to Barclaycard being the ones that had put a on my file unlawfully. i suggest they remove any links to do with them.

also asked for Experians guideline with regards to the 8yr rule with linked address.

 

not taking it lying down.

 

also whats are Experian linked to Abbey.