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The addresses you are linked to
- Linked Addresses are the addresses you have lived at or used as a postal address within the UK. Your credit report contains linked address records for up to 8 years.
- If a bank or financial institution searches your credit report, they will see all of your address history and all the credit details attached to it – including the addresses you haven’t given us.
- It is very important that you give us a full 6 years of address history to ensure you’re seeing all of your Experian Credit Report information, and an accurate Experian Credit Score.
- The addresses you are linked to do not affect your credit score, or your ability to get credit.
- Your credit score, and ability to get credit, is not affected by other people who have lived at your linked addresses (unless you are financially associated to them).
What are Linked Addresses?
If you are linked to an address, this is because you have either lived there or live there now, but they may also be addresses you have been linked to in another way – for example, an address you used as a forwarding address for your post.
Your list of linked addresses could include:
- Variations of the same address (e.g. different spellings of house or road names),
- Addresses you have lived at within the last 8 years
- Addresses you haven’t actually lived at (e.g. if you’ve forwarded post there with the Royal Mail redirect service).
The addresses you are linked to will not include addresses from outside the UK. This is because no credit report information is recorded in your Experian Credit Report from outside the UK.
If you live in Ireland, or have done so in the past 6 years, please let us know so we can help you apply for a credit report from Experian in Ireland.
Do the addresses I am linked to affect my Experian Credit Score?
No, the addresses you are linked to do not directly affect your credit score. This is because your credit score and report are made up of information about your credit history and your ability to manage credit and it’s nothing to do with where you live. Any credit information relating to your linked addresses can be taken into account by a bank or financial institution when you apply for credit.
You must ensure that you have given us a full 6 years of address history.
You can add to your address history in the ‘My Details’ section of your membership area. We will only be showing you the information in your Credit Report that relates to the addresses you have given us.
If you apply for credit, a bank or financial institution will be able to see all your address history – including any addresses you haven’t given us. These addresses may have credit history attached to them that affects your credit score. If you haven’t given us that address history, you might not be seeing your full credit report or an accurate Experian Credit Score.
There is a linked address on my credit report that is incorrect, or that I don’t recognise
If there is an address on your credit report that you are not familiar with or have never been to, it can be a sign of identity fraud. Here’s what you should do:
- We will look into this for you to help you to understand why the address is there, and to see if it can be removed from your Experian Credit Report. Please call our UK based team on 0800 013 88 88 (Freephone) or 0344 481 0800*
- We’ll contact the bank or financial institution that’s recorded this information combining your name with this address, and we’ll ask them to check it.
- We’ll keep you updated – we will let you know when we have contacted the bank or financial institution, and the outcome of that. Only the bank or financial institution who added the linked address information can authorize for the address link to be removed.
- We will add a ‘Notice of Dispute’ to this linked address within your credit report. This will remain until we are able to delete, change or resolve why the address is there.
- Once the bank or financial institution replies to us we’ll email you to let you know the outcome. We expect to receive a response from them within 28 days.
- You’ll be able to see any changes on your credit report.
Other things you can do:
- Contact the bank or financial institution yourself straight away to ask them to investigate. Only the organisation can give authorisation for the link to be removed, so your contact with them can speed up the time it takes to get something corrected.
- The bank or financial institution should inform the other credit reference agencies in the UK of this change too, but it is worth you checking directly with them. They are Equifax and Call Credit.
Can other people who have lived at my Linked Addresses affect my credit score or ability to get credit?
No, other people who have lived at your linked addresses will not affect your credit score, or your ability to get credit. When banks and financial institutions are looking at your credit applications and credit report, they will only see your information and information on your financial associations. They cannot see information for everyone who has lived at an address.
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