2006-10-25 09:03:49 · 10 answers · asked by traceywal 1 in Business & Finance ➔ Personal Finance
Yes, it is likely to be the address, but what he/she needs to do is contact Experian for his/her credit file and if he/she doesn't find anything in the file to suggest why he/she is blacklisted, then a letter to experian disassociating them from the previous residents might help. Sometimes it's not the credit file alone. Some companies tend not to lend to certain post codes based on previous experience. A person's credit file can only inform the potential lender of their credit history, but the lender has the last say on whether it feels the person is credible and capable enough to take on the additional credit. They take a lot of things into account when reaching their decisions.
2006-10-25 09:18:41 · answer #1 · answered by joechuksy 3 · 0⤊ 0⤋
Yes indeed. I live in a mobile home court, and new people bought a mobile home in here last year. The previous owner had never ever paid his bills, had his power shut off for nonpayment, etc., etc.. Anyway, when the new people moved in, the power company gave them a very hard time, and refused to turn on their electricity. They had to go down to their office, prove that they were who they said they were, and show all kinds of id and receipts. They finally got that straightened out. They also got a hard time from the telephone company. Things are beginning to get straightened out now, but it has been a long hard row for these two people. The person that lived there before is in jail, and these people still get all kinds of bills addressed to him at their address. They turn over everything to the sheriff department, but it sure has been an nasty experience for them. So yes, the address can be black-listed. Good luck to your friend. It is not a good situation to be in.
2006-10-25 09:18:30 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Yes, I had the same problem - if someone has lived at the address before you moved in and they had poor credit, the address will be black-listed and will prevent you from getting store-cards etc.
2006-10-25 09:05:30 · answer #3 · answered by Funky Little Spacegirl 6 · 0⤊ 0⤋
Also watch that someone didn't use your details (*his, sorry) when you moved from the previous address. Mail will still be going there and some will be invites for credit with all your personal details on. You need to watch this - someone ordered a new card from my old address in my name after I left.
2006-10-25 09:09:42 · answer #4 · answered by Tertia 6 · 0⤊ 0⤋
Yes whoever lived at the house before will be black-listed
2006-10-25 09:15:19 · answer #5 · answered by marylou 2 · 0⤊ 0⤋
I don't think property's can be black listed now it follows the person with them, i sure she can find out look for web sites for this matter coz you can find out whats caused the black listing.
2006-10-25 09:09:51 · answer #6 · answered by scooby/et 2 · 0⤊ 0⤋
most likely this is the case...someone who lived there caused alot of credit fraud....ask your landlord about it and then you contact the credit bureau and explain that you are a new resident. whith a letter from the landlord and proof of id you can clear this .....
2006-10-25 09:25:10 · answer #7 · answered by walterknowsall 5 · 0⤊ 0⤋
yes
2006-10-25 09:04:27 · answer #8 · answered by Jane S 4 · 0⤊ 0⤋
very likely
In the UK, he should contact http://www.experian.co.uk/ and get a credit report
2006-10-25 09:05:48 · answer #9 · answered by Vinni and beer 7 · 0⤊ 0⤋
yES, THERE IS SOMEWHERE WHERE YOU CAN CONTACT TOGET IT REMOVED, NOT SURE WHERE BUT OTHERS MAY HELP
2006-10-25 09:12:00 · answer #10 · answered by john r 4 · 0⤊ 0⤋