pave信用专家：英国的信用评分机构会怎样知道我是否改过地址，它怎么知道在新地址的是不是同一个人？

英国的信用评分机构会怎样知道我是否改过地址，它怎么知道在新地址的是不是同一个人？

How do credit scoring agencies in the UK determine if I have changed my address, and how do they verify whether the same individual is residing at the new address?

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It's Karter here from Pave - thanks for reaching out with these questions.

Credit Reference Agencies determine your current address based on reporting from lenders. You do not need to personally inform them when you update your address information on your credit accounts (for example, on Pave, or a UK bank account), as they will be informed by the creditors.

They may verify your address by cross-checking with the electoral roll, as well as the Postcode Address File, which Royal Mail uses to organise the delivery of the post.

You can read more about how your address is verified by the Credit Reference Agencies here: https://www.citizensadvice.org.uk/debt-and-money/borrowing-money/how-lenders-decide-whether-to-give-you-credit/

I hope this was helpful, though do feel free to ask any other questions.

Kind regards,

Karter

"我是来自Pave的Karter - 感谢您通过这些问题与我联系。

信用参考机构根据债权人的报告确定您的当前地址。当您更新您的信用账户上的地址信息（例如在Pave或英国银行账户上），您无需个人通知信用参考机构，因为他们将通过债权人获悉这些信息。

他们可能通过与选民登记册以及皇家邮政用于组织邮件递送的邮政编码地址文件进行交叉核实您的地址。

您可以在此了解有关信用参考机构如何验证您的地址的更多信息：https://www.citizensadvice.org.uk/debt-and-money/borrowing-money/how-lenders-decide-whether-to-give-you-credit/

希望这对您有帮助，如果有其他问题，请随时提问。"

If I update my address with certain banks but not with others, what would happen to the address section of my credit report? Will it split into two separate credit profiles?

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I couldn't answer this for certain, so I would recommend reaching out to, for example, TransUnion to query this further. For your convenience here is the link to reach out to them: https://www.transunion.co.uk/consumer/consumer-enquiry-form

What I can say is that your credit file will not split into 2 profiles. Instead, one address (most likely the more prominent one across your credit mix) will be used on your credit file. I wouldn't suggest doing this as it may cause issues when applying for credit which requires identification checks.

I'm happy to answer any other questions so don't hesitate to get back in touch.

我无法确定确切的答案，因此我建议您与TransUnion等机构进一步查询。为您的方便，这是与他们联系的链接：https://www.transunion.co.uk/consumer/consumer-enquiry-form

我能够说的是，您的信用档案不会分裂成两个档案。相反，您信用混合中可能更为显著的一个地址将用于您的信用档案。我不建议这样做，因为在申请需要身份验证的信用时可能会引起问题。

如果您有其他问题，我很乐意回答，所以请随时与我联系。

Frequent address changes may have a negative impact on my credit record. How many credit points will be deducted for changing my address once?

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亲切的问候，

Joe

Rinku Matta, [2024/2/27 10:54]

If I change my address twice within a month, will the first address change be reported to CRA? Or only the most recent one will be reported?

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I'm glad you reached out with your question.

To clarify, what we report to credit reference agencies depends on the information we have on your account at the time. We report all Pave account updates on the 19th of each month, so the timing of any changes you make is important.

For instance, if you update your address on the 16th of the month, that new address will be included in the report on the 19th. However, if the change is made on the 21st of the month, it won't be included until the following month's report on the 19th.

I hope this makes sense, however, let me know if you have any more questions

我很高兴你提出了你的问题。

为了澄清，我们向信用参考机构报告的信息取决于我们在账户上拥有的信息。我们每月的19日报告所有Pave账户的更新，因此您进行任何更改的时间很重要。

例如，如果您在月中的16日更新了您的地址，那么新地址将在当月的19日报告中包含在内。然而，如果在月底的21日进行更改，它将等到下个月19日的报告中才会包含。

我希望这样说得清楚，如果您有更多问题，请告诉我。

If I make a change on the 21st at the end of the month, and then make another change on the 23rd at the end of the month, will the address from the 21st be reported?

What events will trigger a bank to report to a credit reporting agency, affecting credit scores, regardless of being positive or negative?

如果我在月底21号更改，然后在月底23号再次更改，是否会报告21号开始的地址？

哪些事件会触发银行向信用报告机构报告，从而影响信用评分（无论是正面还是负面）？

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Thanks for reaching out with your questions.

To clarify, the address active on your Pave profile at the time of our monthly reporting, which occurs on the 19th of each month, will be the one we use to report your account positively to credit reference agencies.

So, in the scenario you described, if you make a change on the 21st and then another change on the 23rd, the address from the 23rd would be reported the following month on the 19th.

Could you please share if you anticipate making multiple address changes within a short timeframe? Understanding your intentions can help us provide the most accurate guidance.

Regarding your second question, what events trigger a bank to report to credit reference agencies can vary. Generally, banks report activities involving credit, such as overdrafts, loans, mortgages, and credit card usage. However, for specific details, it's best to reach out directly to your bank for clarification.

I hope this makes sense! If you have any further questions feel free to let me know.

Kind regards,

感谢您提出问题。

需要澄清的是，我们在每月 19 日进行月度报告时，您的 Pave 个人资料中的活跃地址将是我们用来向信用咨询机构积极报告您的账户的地址。

因此，在您描述的场景中，如果您在 21 日进行更改，然后在 23 日再次进行更改，则 23 日的地址将在下个月的 19 日报告。

如果您预计在短时间内进行多次地址更改，您能否分享一下？ 了解您的意图可以帮助我们提供最准确的指导。

关于你的第二个问题，触发银行向信用调查机构报告的事件可能有所不同。 一般来说，银行会报告涉及信贷的活动，例如透支、贷款、抵押贷款和信用卡使用。 不过，对于具体细节，最好直接联系您的银行进行澄清。

我希望这是有道理的！ 如果您还有任何其他问题，请随时告诉我。

亲切的问候，

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Having more borrowing and repayment records, such as using multiple credit cards at the same time, can accelerate the improvement of credit scores?

拥有更多借款和还款记录，比如同时使用多张信用卡，是否能加速提高信用分数？

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It's Karter from Pave taking over from my colleague Nikita. Thanks for getting back to us with this question 🙂

Having more credit cards can have a positive impact on your credit score but it's vitally important that they are used responsibly. Irresponsible usage of credit cards, such as utilisation of more than 25% or missing repayment dates can have a detrimental impact on your credit score which is what Pave always wants to avoid. I would also advise not to apply for several credit cards at the same time as this could harm your score.

I would like to signpost you to this article from our credit library on how credit utilisation works, and how best to utilise it for score growth: https://support.paveapp.com/hc/en-gb/articles/4404339087505-Utilisation-rates-everything-you-need-to-know

I hope this has answered your question. Let me know if there's anything else I can help with.

Kind regards,

Karter

祝好，

卡特

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Utilisation rates - everything you need to know

Oliver

Not yet followed by anyone

The Basics

What is a utilisation rate?

Your utilisation rate is the amount of available credit you’re using, expressed as a percentage.

You can work out a utilisation rate by taking the balance, dividing it by the limit, and then multiplying by 100. Eg a £100 balance on a card ÷ the £500 limit * by 100 = 20%

There are 3 kinds of utilisation rate - all of which are taken into account by Credit Bureaus.

Let's break each of them down with an example:

Individual: This is the utilisation rate on any one of your credit accounts.

For example, if you have a credit card with a limit of £1000, and your balance is £250, then your individual utilisation rate would be 25% for this card.

Total: This is the utilisation rate across all of your credit accounts.

For example, if you have 2 credit cards, one with a limit of £1000 and a balance of £250, and another with a limit of £2000 and a balance of £400, your total utilisation would be a 21.6% utilisation rate across all of your credit accounts.

To work this out, simply add the balances together (in this example £250 + £400 = £600), then divide this by the total credit limit (£3000), and multiply by 100.

Maximum: This is the individual utilisation rate that is highest across all of your credit accounts.

For example, if you have 3 credit cards, one with a utilisation of 20%, another with a utilisation of 34% and the other with a utilisation of 11%, then your maximum utilisation would be 34%.

Why is my utilisation rate so important?

It's one of the biggest influences on your credit score. Depending on the credit bureau, it can make up anywhere between 20 and 30%.

Utilisation tends to relate to the amount of interest that you pay on the same account. A higher balance can both accrue more interest, and make it more challenging to repay in one go - increasing the time over which you are charged.

Reducing your utilisation rate can save you money on interest now and as your credit score increases, save you even more money in the future as you are able to access credit at lower interest rates.

How can I reduce my utilisation rate?

It's important to make sure you don't fall into the trap of using too much of the credit that is available to you.

The more of your available credit you spend, the more reliant on these funds you appear to be to Credit Bureaus - this often leads to them scoring you as higher risk, thus reducing your credit score. The higher your utilisation rate, the lower your credit score is likely to be, and vice versa.

Getting your utilisation low enough that it doesn't count against you means keeping it below 25% if you can. If you can do that on each of your credit lines, then your individual, total and maximum utilisation rates will be in the best position to positively impact you.

Steps I can take

Make a note of these points below, and each month when you're paid, work out what you need to pay, and when.

The most important point of all is to remember that keeping your utilisation rate on each of your credit lines below 25% is optimal.

Although these 3 steps seem really simple, doing them consistently each month will put you in the best position to increase your credit score:

1. Work out your current utilisation rate

Action: The first step is to know your balance and utilisation rate for each of your credit accounts.

2. Know your dates

Action: Next, give your card issuer(s) a call and ask them the date they report you to the Credit Bureaus. Put a reminder in your calendar to make your payment at least 2 working days before this date.

3. Make a change to your spending

Action: Consider if purchases need to be made this month. Can they be split across multiple paycheques so you don't need to use credit? If a purchase must be made, can some or all of it be paid for by debit card and/or cash?

Have a question? Our team of specialists are available to help you out 7 days a week on WhatsApp and email.

利用率 - 你需要了解的一切

奥利弗

尚未有任何人关注

基础知识

什么是利用率？

您的利用率是您正在使用的可用信用额度的百分比。

您可以通过取余额，除以信用额度，然后乘100来计算利用率。例如，卡上的100英镑余额 ÷ 500英镑限额 * 100 = 20%

有三种利用率 - 所有这些都由信用局考虑。

让我们通过一个例子来分解每种利用率：

个体：这是您任何一个信用账户上的利用率。

例如，如果您有一张信用卡，限额为1000英镑，余额为250英镑，那么您这张卡的个体利用率将为25%。

总计：这是您所有信用账户的利用率。

例如，如果您有2张信用卡，一张限额为1000英镑，余额为250英镑，另一张限额为2000英镑，余额为400英镑，那么您的总利用率将是所有信用账户的21.6%。

要计算这个，只需将余额相加（在这个例子中为250英镑 + 400英镑 = 600英镑），然后除以总信用额度（3000英镑），再乘100。

最大：这是您所有信用账户中最高的个体利用率。

例如，如果您有3张信用卡，一张利用率为20%，另一张利用率为34%，另一张利用率为11%，那么您的最大利用率将是34%。

为什么我的利用率如此重要？

这是您信用评分的最大影响因素之一。根据信用局的不同，它可能占据20%到30%之间的比例。

利用率往往与您在同一账户上支付的利息金额有关。较高的余额既可能累积更多的利息，也可能使一次性还清变得更具挑战性 - 延长您被收费的时间。

降低您的利用率可以在现在为您节省利息，并且随着您的信用评分提高，未来可以以更低的利率获得信用，为您节省更多的钱。

我该如何降低我的利用率？

确保不要陷入使用您可用信用过多的陷阱是很重要的。

您使用的可用信用越多，您对信用局看起来就越依赖这些资金 - 这通常会导致他们评定您为更高风险，从而降低您的信用评分。您的利用率越高，您的信用评分可能就越低，反之亦然。

将您的利用率降低到不影响您的水平意味着尽量保持在25%以下。如果您可以在每个信用额度上都做到这一点，那么您的个体、总计和最大利用率将处于最有利于对您产生积极影响的位置。

可以采取的步骤

记下以下这些要点，每个月当您发薪水时，计算您需要支付的金额以及支付的时间。

最重要的一点是记住，保持每个信用额度的利用率在25%以下是最理想的。

虽然这3个步骤看起来很简单，但每个月都一致地执行它们将使您处于最佳的位置，以提高您的信用评分：

1. 计算您当前的利用率

行动：首先要知道您每个信用账户的余额和利用率。

2. 知道您的日期

行动：接下来，给您的卡发行人打电话，询问他们向信用局报告您的日期。在此日期前至少提前2个工作日在您的日历中设置提醒以进行支付。

3. 改变您的消费方式

行动：考虑这个月是否需要进行购买。它们是否可以分摊到多个工资单上，这样您就不需要使用信用？如果必须购买，是否可以使用借记卡和/或现金支付部分或全部费用？

有问题吗？我们的专业团队每周7天都可以通过WhatsApp和电子邮件为您提供帮助。

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Pave: 你好，

即使没有信用设施，大多数银行通常会向信用参考机构报告你的银行账户信息。要确切了解报告的内容，我建议直接联系你的银行，因为他们最能帮助你。

很乐意回答任何其他问题。

顺祝商祺，

Karter

Report once or repeatedly? How often?

是一次性报告还是定期报告？报告频率是多少？

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Pave: Thanks for asking this question. Each creditor has its own individual reporting methods, so I would advise you to contact them directly to gain an exact understanding of their reporting methods.

Kind regards,

Karter

Pave: 感谢你提出这个问题。每个债权人都有自己独特的报告方法，所以我建议你直接联系他们，以确切了解他们的报告频率。

顺祝商祺，

Karter

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