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Understanding linked addresses
bsouth1
Posts: 4 Newbie
I am trying to understand how linked addresses work. There are a number of scenarios that may be possible so I ask the experts on here to pick their brain:
1. If you have an actively shared credit account and give a new address then the lender will notify the CRA of the new address. Is it the lender or the CRA who creates the linked address?
2. If a credit check (whether approved or not) is made at your new address checking the new address for the first time as well as your previous addresswill the CRA create a linked address?
3. If you have been at a new address over 3 years and your credit file is checked for the first time for a new application and your previous address is not known to the lenderwhat happens? The initial check may fail because no databut what next?
(a) Your credit file namedob and old address are stored for at least 6 yearsso does the lender run a trace using name and dob to find your older credit info?
(b)When the CRA gets a search with a name and dob and a new address they don't already know aboutdo they try to match the name and dob to find the old address and does it create a linked address?
Some of the above could happen if someone has several living places or they may have no active creditor used to have credit but don't anymore and will not apply to everyonebut it is to understand how the linking process works and not advice about a specific scenario which some might want to help with.
thansk
1. If you have an actively shared credit account and give a new address then the lender will notify the CRA of the new address. Is it the lender or the CRA who creates the linked address?
2. If a credit check (whether approved or not) is made at your new address checking the new address for the first time as well as your previous addresswill the CRA create a linked address?
3. If you have been at a new address over 3 years and your credit file is checked for the first time for a new application and your previous address is not known to the lenderwhat happens? The initial check may fail because no databut what next?
(a) Your credit file namedob and old address are stored for at least 6 yearsso does the lender run a trace using name and dob to find your older credit info?
(b)When the CRA gets a search with a name and dob and a new address they don't already know aboutdo they try to match the name and dob to find the old address and does it create a linked address?
Some of the above could happen if someone has several living places or they may have no active creditor used to have credit but don't anymore and will not apply to everyonebut it is to understand how the linking process works and not advice about a specific scenario which some might want to help with.
thansk
0
Comments
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I have found some answers to 1 and 2.
1. It is the CRA who creates a new linked address whenever they receive information from a lender containing more than 1 address.
2. When a lender reports more than 1 address via a credit checkif one of the addresses is a new address and the other is a known addressthe CRA will create a linkeven if no accounts exist at the new address.
3. Still no clue but I can see how it might result in messy problems.
CRA's do have the ability to search for addresses based on name and dob only for tracingbut would they automatically create a link? I have heard that lenders can see suspected links when carrying out a credit check that we cannot see on our reports. Is this true?
Any ideas from someone in the know/experian rep would be helpful.0 -
Reading numerous posts on this forumit's clear that address linking policies of the CRAs leave a lot to be desired. For instancedid you know that once a link is established it is never removed? You can be linked to an address simply by having mail redirected to itor even a parcel delivered to it. The CRAs seem to have multiple sources of 'intelligence' that facilitate address linkingbut the biggest problem seems to be that mistakes are frequent.
I doubt you'll get any feedback from the Experian rep on thisor any other matternow. It seems the reps have been chased away by the credit score deniers and the general aggression they've faced in recent times; which is a pity.0
This discussion has been closed.
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