What is an address link?

An address link is typically created on your credit report when:

• You use the address during a credit application.

• You change the address on an existing account.

• It’s used as a delivery address for a credit-related product (like a mobile phone, for example).

A linked address doesn't necessarily mean that there's active information in your details there, but it can be used as a helpful tool to ensure that everything's registered where it should be.

While an address link itself wouldn't directly impact the credit score, any information recorded there would.

Why are there multiple entries for the same address?

Multiple links for the same address can appear on your credit report where your local authority or lenders have reported the address in different formats.

If the format or date doesn’t match exactly, the addresses will not be merged into one entry, so you might see this listed multiple times. As address links do not have a direct impact on the credit score though, this is nothing to worry about.

How do I remove old addresses from my credit report?

Address links remain on your credit report indefinitely as they are a record of places you have been linked to financially.

If an address link is valid, you are unlikely to be able to remove it as it shows a historical record for any lenders searching your credit report.

The date listed doesn't correspond with the date that I lived at the address

The date simply relates to when the address link was last confirmed, so will not necessarily match exactly when you lived there.

However, this is nothing to worry about, as the address link doesn’t impact your credit score or any credit applications you make.

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