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Do I need to clear my name now I've bought a repossessed flat?

Dear James,

I have recently bought a repossessed flat and there was some debt associated with the address. I have been told that that bad credit may now be passed onto me as I am living there i.e. if I were to apply for credit and told them the address I would be refused. I have always had good credit myself and was wondering if there is anything I can do to 'clear my name'!! Many thanks.

Anthony, Solihull

Dear Anthony,

Don’t believe everything you’re told! While credit checks used to take place on addresses, these days they are on people. So when you apply for credit from your new address and the lender checks your credit report, it will only be able to see financial information recorded about you and about anyone you’re financially linked to, for example a partner. Any information registered at your address about other people will not be linked to you and will simply not be visible to your lenders. So you’ve no need to worry at all. Make sure you get you name on the electoral roll as soon as possible and if you do receive bills addressed to the former occupants, simply return them to the senders marked ‘no longer at this address’. 

James Sign

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