If an address is blacklisted, it means you won’t be able to get credit if you live there, right? And there definitely isn’t a long list of addresses somewhere that lenders check when deciding whether to lend to you or not. The fact is that it doesn’t matter who has lived at your address in the past.

Does an address get blacklisted?

Can an address be blacklisted? No – not even if the people who lived there before you had multiple debts and were on shaky financial ground. It doesn’t matter who lived at your address in the past – their financial mistakes won’t be linked to you just because you live in the same house or flat.

Why is my address blacklisted?

There is no such thing as an address blacklist Your credit score is mostly based on how you have handled credit in the past. This means things like your area, or who lived at your address before you, shouldn’t have an impact your score.

Is bad debt linked to an address?

Can someone using my address affect my credit score? Sharing an address with someone does not make you liable for their debts. Previous debts associated with your address are also not your responsibility. You can only be liable for joint debts which are in your name, or in joint names with you and someone else.

Can I check if I’m blacklisted?

You can also get them telephonically. Some credit bureaus have made it even easier by establishing an SMS service where you can check if you are blacklisted or not. While this is useful, it is in your interests to get your full credit report anyway.

Can a house be blacklisted on this is money?

J.M., London Laura Howard, of This is Money’s Ask an Expert section, replies: It’s common to hear people suggest that an address can be blacklisted and you can be hit by someone else’s bad debts, but credit reference experts say that the idea of properties being blacklisted is an urban legend.

Why is my address not on a credit blacklist?

If there’s one thing that you can be confident of, it’s that your address isn’t on a Credit Blacklist. That’s because Credit Reference Agencies do not hold blacklists of people or addresses that should not be granted credit – they simply maintain and share information based on facts, derived from a variety of sources.

What happens if someone moves to my address?

Even if they’ve moved without informing the lender and there are debt collectors on your doorstep, you are not liable for any of the former resident’s debt and you should not be left out of pocket or unable to take out any form of credit of your own. It can be scary, but the law is on your side.

What happens to my credit if I move into an address?

Your Creditworthiness is down to you and the information held about you, so there’s no chance of you being affected by an address itself. If you move into a property where the previous occupants had serious money problems, you are not responsible for their debts and cannot be pursued.