partners brother has registered his car to our address

[LuckyBenski]

Exactly, someone can’t keep up with what they’ve posted.

It's perfectly possible to *live* somewhere without having a *home* there. I have been homeless but not sleeping rough, and yes during that period I did live in the town I was living.

NFA is a real thing, and requires solutions e.g. somewhere safe to get your post delivered. Committing insurance fraud isn't really an acceptable outcome though, the brother is clearly taking the ****.

 

[Kenai]

The address you live at impacts your credit score. They use it to see who else lives there hence it being good for credit to change your address (in terms of accuracy), and make sure any cohabiting partners do too.

I didn't think things associated with the address could impact an individual's credit report though (having all your addresses correct and matching etc. is a bit different). Even if you actually share an address with someone who has financial issues, AFAIK it can only affect your own credit report if you're actually financially linked to them.

 

[Bint Box]

the cheek, he lives in another city and have had a parking fine sent to my address.
he says he will change the address but how will we know if he has ?
dont trust him at all

All the implications from this are negative with respect to the O/P.

The possibilities of parking fines, CCJ's, insurance fraud and credit rating impacted could all stem from this. Add in the possibility of driving an unworthy vehicle if it has no current MOT and there is a huge pile of **** hovering above the O/P's address.

I would inform every possibly agency by phone and in writing as to what is going on, name the **** and if he comes round complaining give him a "straightener" or two.

 

[Resident]

Credit is tied to individuals not addresses I thought?

The address you live at impacts your credit score. They use it to see who else lives there hence it being good for credit to change your address (in terms of accuracy), and make sure any cohabiting partners do too.

My ex partner got a CCJ (hid from me) when we lived together. It affected my score & it was almost perfect before.

 

[Kenai]

My ex partner got a CCJ (hid from me) when we lived together. It affected my score & it was almost perfect before.

Were you financially linked in any way though?

Experian suggest simply having the same address wouldn't make a difference:

Can previous house owners affect my credit score?​

No – credit checks are done on people, not addresses. Your address is simply used alongside other information to help confirm your identity. You can be linked to other people on your credit report if you share finances with them, such as a joint mortgage. But your report won't be linked to someone else's just because you've lived at the same address. This also means your address can't be 'blacklisted'. Even if you’re receiving their mail, about things like debt collection or credit applications, your credit score won’t be affected.

Can the people I live with affect my credit score?​

Not unless you’re ‘financially associated’. This means you’ve applied for joint credit together, such as a bank account or mortgage. If you do have joint finances with someone, they’ll be recorded on your credit report as your 'financial associate'.
When a lender does a credit check, they can also check the credit reports of any people you’re financially associated with. This could affect the outcome of any credit applications you make. You can see who you’re financially associated with by looking at your Experian Credit Report.

 

[Resident]

Were you financially linked in any way though?

Experian suggest simply having the same address wouldn't make a difference:

I assume we were 'financially linked' as both our names were on the rental agreement & we were credit-checked

 

[bigmike20vt]

my old housemate went bankrupt. he was not linked to me other than he rented a room. I was really worried it was going to affect my credit rating... and indeed 15 years on I still get debt agency phone calls asking for him.

however it didnt affect my credit rating which is and always has been really good (aside from the fact that perversely I keep getting advised to increase my credit to improve my score which is something I think is deeply flawed... but I digress.