QUESTIONS AND ANSWERS

Get your FREE Experian credit report and score!*

CreditExpert Logo

  • Free Experian credit report*
  • Free Experian Credit Score*
  • Free email and text alerts
  • Dedicated UK based call centre

Checking your Experian credit report will not lower your score!

If you are a Credit Expert customer you can contact the customer services team with any questions specific to your credit report.

Please log in to your account and go to the contact us page to contact the member support team.

* Monthly fee applies after trial, new customers only. You may cancel your trial anytime during the 30-day trial period without charge. Free trial period starts on registration – further ID verification may be required to access the full service which may take up to 5 days.

Explore our Help Centre

Our credit report centre is full of information on what 's in your credit report and how to improve your credit rating.

Find out how to protect yourself from identity fraud and what to do if you're a victim.

Will son’s bank debt affect my credit rating?

 

Dear James,

My son has moved abroad and given his bank my address though he has never lived here. They are chasing him for over £3000 overdraft.  The last letter I got from them said that the next letter will be a termination notice and they will be recording it at a credit reference agency.  Will this affect my credit rating?

Lorna, Bedfordshire

 

Dear Lorna,

You shouldn’t need to worry. Although it hasn’t always been the case, these days credit checks are on people not addresses. People can be linked, but only if they apply for joint credit together or one agrees to act as guarantor for the other. Assuming neither of these scenarios applies to you, your credit rating will not be affected by financial information recorded in your son’s name at your address. If you’re not sure, apply for a copy of your credit report and check the section about financial associations. If you son’s name is not included then there is no link. You should either forward your son’s post on to him abroad or return it to the sender marked ‘no longer at this address’.

 

James Sign

  • © 2014 Experian. All rights reserved