No we don’t mean an address you share with a phantom – although that might be the case – we mean an address that never shows up on online forms, and so might as well be a spectre.
If you’ve ever lived at an address that, try as you might, you can’t find when using auto fill-in technology on online forms, or that service providers claim doesn’t exist when you give them your details over the phone, you’ll know how annoying this can be. However, for some people the consequences are much more of a horror story.
Rejected for credit – what a nightmare
A study* conducted for us revealed that in the majority of cases the consequences of living at a phantom address are no more serious than the irritation of not being able to find your postcode. However, one in five people who have at some point inhabited a property like this say the confusion has led to them failing a credit check.
The nightmare doesn’t end there either. More than one in 10 people who have lived at a phantom address at some stage have been unable to complete a job application because of it.
Can’t get no service
Now that it’s autumn, many of you will be thinking of turning up the heating – if you haven’t already – so you can enjoy a cosy night of being spooked out for Halloween. However, if you’re one of the unlucky few who live at a phantom address, you might not even have that luxury.
According to the survey, 17% of people who have lived at an address like this at some point found they had trouble registering for utilities like gas and electricity as a result. And a further third struggled to get other services like broadband – bad news for anyone planning to stream a horror movie this Halloween.
Banish the horror
If you feel like you’re living in a ghost house, you don’t have to put up with it. You just need to take a little time to make sure your address details are all present and correct where they need to be.
Should you not yet be registered on the electoral roll, it might be time to change that – and it doesn’t take long. Just visit this page, and if you are registered but the details are wrong, you can amend them.
Another thing to check is your credit report as it is held by the main credit agencies Equifax, Experian and Callcredit. If they don’t have your address down correctly, it may interfere with any applications for credit you make in the future.
You don’t have to feel like a ghost next time you want to simply fill in an online form. Hopefully by the time Halloween comes you’ll have banished the curse of the phantom address for good.
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Intelligent Lending Ltd (Credit Broker). Capital One is the exclusive lender.