Credit Rating Check

[derekpara]

If a family member, who is in debt with a credit card company, moves out of the family home, is it the home address that gets flagged up on credit checks or the name of the debtor ?

[ummmm]

The name of the debtor.

[sandmaster]

The name of the debtor with his/her address as recorded by the creditor. It should not affect others at the same address

[derekpara]

Thank you both.

[Peter Pedant]

everyone thinks it is the address
but it is the debtor

BC has given good advice on this previously - like a few years ago
and there is mention of a letetr of dissociation

https://www.debtadvisorycentre.co.uk/blog/what-is-a-notice-of-disassociation-0-4113-0

however if you read it
it becomes clear you dont need one

letters to addresses of fled tenants who fled in debt - often in debt to me as well - often get opened by children who mill around in their hundreds
and that allows me as a landlord to read them and write to the companies
and tell them the debtor has flown and a new tenant - usually of a nervous disposition (!) is IN

If they come calling - I think you have ( since the address has been given as a residential address ) to prove you are nt them. I dont think it is a duty it just makes life easier for you. If it is a girl - I think you can say - I am obviously not her.
Make sure CT utilities and electoral rolls do not mention the party ( or show a date of leaving )

as you can see - much easier to say I am not in debt
than ..... the debtor who lived here has gone....

good luck - debt is a pain in the arras - but at least you can say 'well it is not me!"

[derekpara]

Thanks, PP.