Smiler
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She can write to the credit report company and point out that your debts are not hers. They can log that on the file for when companies run credit checks on her. Should be easily sorted. |
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Hot Pink - yummy mummy to be
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yeah the way they do this is riduculous, they go on the addresses as opposed to the individual which is completley unfair. i lived in a rented flat and because the previous tenants had run up debts i paid the price so to speak as i couldnt apply for credit or a joint bank account with my partner. if you have her credit report as a hard copy this i believe can be sent to the company she is applying to and usually once they have seen this they are normally happy and will let her apply as they see it is the address and not her. its a silly system though. good luck x |
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beachbum72
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To the best of my knowledge, your address is not "blacklisted".. If you mean you are not paying a debt that you and your daughter are both responsible for....that is different. |
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confucious says
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a letter of disassociation will solve this problem
your daughter as to write a letter disassociating herself from your debts and within 28 days all will be ok this can apply to anyone in the same position.
all the answers apart from frizzle are complete bollocks so disregard them |
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Lauren
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The only thing I can think of if there is taxes due on the house and it is showing as a lien owed on her credit, for instance if you have a ticket that isn't paid for a long time some county's will put it as a lien not a trade line on your credit. So that could be the case but then still if it is not her house then it should not be on hers and you can dispute that with the credit agencys. Hope that helps, but I agree with everyone else you might want to find out where that credit report came from because it might be a hoax. Good Luck. |
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wat
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That doesn't make sense. It's the individual that gets the bad credit rating, not a house. When's the last time a building ran up a debt that it couldn't pay?????
I'd look into who sent that report. Is it a collection agency? Are they putting pressure on her to get you to cough up some money??? |
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alatoruk
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as plenty of peple have pointed out, there is no such thing as a blacklist for houses.
however, credit companies tend to work off surname and addresses (e no difference between X Smith & Y Smith), so assuming she has the same surname as you THERE IS THE PROBLEM.
she can write to the credit reference agencies and request to be dis-associated with you, which will put a note on her file explaining that she is not the same X Smith as the Y Smith that has all these debts. |
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Living In Fast Forward
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Banks have created a way to be discrimanatory. They created this credit report thing in order to give people higher and lower rates. Then they can sort out the good and the bad but it is having its downfalls. People are using credit ratings as requirements for employment, and for many other things that should have nothing to do with it. I have never heard of the term blacklisted. You can obtain a credit report for yourself once a year and only once a year at www.annualcreditreport.com and you should see for yourself what is on there, and sort it out with the a) creditors b) credit bureau and c)help your daughter do the same. If you have any joint unpaid accounts that could affect this as well. Good luck! |
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claimbankchargesback
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This is a common myth, and is not the case.
It did used to be the case that an address was blacklisted, due to one person living there who had bad credit, and affected everyone living at that address.
However, this was blatantly unfair, and changed years ago. Now debt is attached to a person, and not a property. As a person moves, the debt travels with thim.
Your daughter can have the worst credit rating in the world, but it won't affect anyone else living at the property.
The only time debts affect more than one person are if you are married, or if you have a joint bank account. In those cases one persons credit score can affect the other.
However, with your daughter you have absolutely nothing to worry about, it may show her living at your address (even if shes not, if the file hasn't been updated), but it won't blacklist the property, and won't affect anyone else living there. |
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