How do you clear an address of a bad debt history?

[Mudflap]

Dear all

A young lady I work with has just rented a flat and it appears that the previous occupant had a history of bad debts. This must mean that the address would carry the bad dept history. Does anybody on here know who you have to contact to remove this information.
Thanks in advance.

[Kris]

she will need to contact the crdit referenceing agencies such as Experien, Equifax etc to advise them of the situation and request they update their records. The CAB will be able to help with this

[AquilaEagle]

http://www.experian.co.uk/

http://www.equifax.co.uk/

[Mudflap]

Thank you for the advice :)

[wazza]

It can be done, I was black listed for a while due to an EX wife getting into debt with a mortgage payment or two, I contacted the credit companies and got my name reinstated...

[18wheeler]

It can be done, I was black listed for a while due to an EX wife getting into debt with a mortgage payment or two, I contacted the credit companies and got my name reinstated...

naughty wazza:nono:
were you blacklisted for non-payment of kitchen re-furbishment:p
hows it coming along mate???

[Perry]

I always thought it was against the individual and not the property ?

[Perry]

It can be done, I was black listed for a while due to an EX wife getting into debt with a mortgage payment or two, I contacted the credit companies and got my name reinstated...

I know that feeling only to well :(:(:(

[G-Rich]

If its a personal "black listing" (e.g. with a CCJ) in error, you have to go back to court to have it lifted.

I'm not sure property matters? What does matter is that you follow the sound adive above and do contact the credit agencies and ensure that you tell them that you are new in the said address and their records are updated; you don't want Boz, Baz, and Bez turning up early on Sunday requesting to remove your TV!

[Once Bitten]

Bit of an old thread and probably sorted now but I moved into a rented house and there was loads of bad debt and none payment from previous tennants but after enquiring, I found out that it is actually against the person and not the property. I did get a bailiff letter for the previous tennant and i called them to let them know she was no longer at the address and she didn't leave a forwarding address. Never heard another word.

Just another thing to point out. It is worth getting a credit report from experian. I did and found out that I was still associated with my ex husband credit wise and so if he had got a bad credit rating, that would have affected me! I disassociated myself from him and my parents who were also on the credit report. Anyone you have ever lived with can appear on your credit history and can still affect it.

[stureid]

The credit databases maintained by the credit reference agencies are based on surnames, so if you were to move to a property that had a history of bad debt from someone who shares your surname, then you would be automatically associated with their history.

However, of you get a copy of your file from the credit reference agencies then you will be able to see what is held, and exactly what prospective lenders can see.

If there is something there that you disagree with, then you can request that the credit reference agency amends their records. They will naturally seek proof from the lender that recorded the information in the first place, but when they update their files they also inform any lenders that have searched your file of the amendments.

In addition, if you have split up with someone with whom you had a financial connection, and you no longer have any connection, then you can have the agency create a disassociation so that the other party does not show up on your file.

And for £2, having a look at your file is, IMO, a bargain, whether you have had any problems or not.