People who live at your address won’t affect your credit score unless you’re financially linked - for example, if you share a joint account, loan, mortgage, or have acted as a guarantor.
What doesn’t create a financial link
• Simply living together (family, flatmates, HMOs, house shares)
• Sharing utilities or council tax bills in separate names
• Being an additional cardholder on someone’s credit card (only the main cardholder’s account is reported)
• Appearing on the same electoral roll at the same address
Your address history simply helps credit reference agencies match you to your own accounts - it doesn’t merge your information with anyone else’s.
Where to see or fix financial links
You can find any financial associations in your Equifax report under Connections / Financial associates on ClearScore.
If you’re linked to someone you no longer share credit with:
1. Close or remove any joint products (for example, settle or close the joint account, or remove guarantor status).
2. Ask each credit reference agency (Equifax, Experian, TransUnion) for a Notice of Disassociation.
Heads up: if a lender still reports a joint product, the agency might not remove the link until the product is fully closed. Allow 5–8 weeks for updates to appear.
Extra tips
• A joint application can create a financial link even if it was declined.
• If you’ve moved out or separated, avoid any new joint credit applications - these will maintain the link.
Bottom line: people at your address don’t affect your credit score unless you share joint credit. Keep financial associations up to date and remove them when they’re no longer relevant.