If you can't pay, let the lender know as soon as possible. Because you will receive details of people you lived with at your previous addresses, tell your parents if you are going to apply for your file. If they do not want you to see their information, they should contact the Consumer Help Service first and ask for a 'disassociation'. Sharing accommodation You are only linked to people you live with who have the same surname as you and to people with whom you have joint credit. Paying the rent together doesn't count, so you are unlikely to be financially connected to people you simply share a house with, unless you have a joint mortgage, other loan or have all put your names on a credit agreement.
People sharing often have the bills in one name.
If it's your name, remember that if your friends leave owing money, the fact that they were morally responsible for part of the debt will not protect you. You will be liable if the company decides to try to recover the debt and any resulting County Court Judgment will be in your name. Registering to vote If you are a student you may want to remain on the Electoral Roll at your family home, or you may decide to register at your new home. When you apply for credit, include on the application form the address where you are registered to vote. And explain on the application form if your current address is temporary, so that the check can be run on the correct address.