Credit Rating of your house/address

[pea12]

Does anybody know if you can find out if your house/address has a bad credit rating?  The house I moved into has been rented for sometime and I've reason to believe the last person who lived there may not have paid all of their bills!!  thanks in advance.

[Oneeyedvic]

When a lender searches you (as in a credit application) they search you and you alone (unless the application is in joint names). They will also have access to details of anyone you have an 'association' with - this is usually a partner (husband / wife) with whom at somepoint you have applied for credit with.

If the previous occupant had a similar surname (eg smith) it is conceivable that an erroneus association has been made, however, under normal circumstances, a lender will not be aware of any details of the previous occupant.

If you do have a similar surname, try getting hold of your credit file (from Experian and Equifax - do google searchesand their websites will come up). If there is any wrong details on there, you can take it up with them. (file a notice of disassociaiton etc).

[woofgang]

well that may be true, but we had some probs due to the tenants we let our house to while abroad. None of them had surnames similar to ours. I believe that sometimes the "association" to which you refer can be people perceived to be living at the same address. We got our details off experian and eqifax and corrected them.

[tali122]

move in to a bad credfit address- and you become associated with it- its up to you to prove that you have nothing to do with previous uncreditworthy tenant., regardless of surname
companies dont know you from adam and you could be a repeat scam artist as far as they are concerned
your credit card is your best proof of your credit worthyness