My neighbour is defaulting on her payments, how can I stop her affecting our credit rating.?

Firstly, you need to find out if you are 'associated' with her by getting in touch with a credit rating agency. An association shows a financial connection between two people.

If you are assoicated with her, you can write the credit rating agency a letter informing them that you have no financial connection to this woman and ask them to remove all offending information. My parents did this when my brother was affecting their credit rating.

As far as I am aware, there is nothing you can do to prevent her affecting your credit rating, only deal with it when it happens. You might consider approaching The Citizens Advice Bureau for more help.

You see the red letters so perhaps writing to the companies writing these letters may be a good idea? You could also ask the Citizens Advice Bureau for some advice on this. From what others have said it seems that credit rating is now on an individual basis as opposed to the address however you are wise to look after your own interests.

You have a right under consumer protection laws in the UK to request from any credit company details of the credit reference agency they use. You can then apply, in writing, to that agency with the appropriate fee (it used to be £1) for a copy of any file they hold on you. You are then entitled to write a correction or explanation of anything disclosed, and the agency must disclose that in future along with any report. Remember though that any prospective creditor can refuse you credit for no reason at all!

sounds like its a property parcel information search you need to do. find out what the county has it listed as. do each of the units have their own parcel #? if so then there's not any way they can screw up your credit...esp if they arent hooked to you with social security number. if something happens to get on yours...which makes no sense how it could, then just dispute it and get it off. that's the same thing as anyone else's neighbors credit being on your credit. doesnt make sense. credit isnt reported based on address.

Capital One is a tremendously undesirable agency to handle. you may attempt calling them. tell them which you have become gives you from different playing cards at a decrease pastime value and could could desire to terminate your account in the event that they can't decrease the cost. in the event that they gained't, initiate looking around for a clean card. in case your credit background is nice, it is going to likely be extremely undemanding. a large many playing cards have fairly low expenditures of pastime for the 1st 3 hundred and sixty 5 days. Get a sort of and then swap around as quickly as a 300 and sixty 5 days.

The previous answers are right, but you have the right to see your credit records under the Data Protection Act.

How would that affect your credit rating? Is that how things are done in the UK? Just because your neighbor has bad credit-it will affect your rating? That makes no sense at all.

I agree with jojo, credit scores etc are now on an individual basis, there is no such thing as a house blacklist

put your mind at rest and give your flat a name.

Rose cottage eg.

put an a on your post...duh unless they have the same last name as you......hope they defalt on the house so you can buy it cheap...call the bank holding their paper and see if you can take over if the lose it.