Houses are not placed on a ‘bad credit list’. Credit reference agencies note details of individuals and it is inevitable that many people will move house over time. Return these letters to the sender and advise that the person is not known at this address.

If you have been refused credit recently it may be worth checking out your credit file to see what the potential problem could be, you can obtain a copy of your credit file from –

Experian – Tel: 0870 241 6212, Web: www.experian.co.uk
Equifax – Tel: 0870 514 3700, Web: www.equifax.co.uk
Callcredit - Tel: 0870 060 1414, Web: www.callcredit.co.uk

It may be that your credit score is fine and the reason you have been refused credit is simply that the lender believes you have enough credit commitments at this time.

This question was answered by Debt Advice Foundation, an independent UK debt advice charity. If you have a debt problem, we can help you find the best solution for your situation. Debt Advice Foundation provides a free, confidential helpline and can advise you of all your options. Click here to find out more.

Bad credit is linked to the person not the place where they got into debt. Unless the person who you get letters for was linked to you financially i.e. you had joint bills or joint finances, then you will not be affected personally. If a debt collector comes to your property, just explain to them that the person does not live at your property. Also return to sender any letters that come to your property for this person.

This question has been answered by Christians Against Poverty, a leading debt charity offering hope and a solution to anyone in debt.

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