After living in the cash economy for a year, I recently opened a basic bank account using a new address that isn't linked with any others I've lived at. I simply told the bank that I'd been living abroad for five years and had just returned. I didn't want to give my old address because I've managed to give the various DCA's that made my life hell up to fairly recently the slip by moving house twice and staying off the Electoral Roll.
I realise I can't bury my head in the sand forever with this but there is some light at the end of the tunnel. In the next 12-18 months my partner and I will be inheriting some property that we plan to remortgage, clearing everything once and for all. Until then, I've come to the conclusion that I want to give the DCA's a wide berth.
So here's the thing; I was told that if I gave my previous addresses to my new bank, this would be reported back to my credit file, linked to my old ones therefore giving any DCA's that do a search on my file a heads up on where I now live - hence why I said I was living abroad up to that point.
So am I correct in the assumption that my new bank will have effectively generated a 'new' credit file, with my name, d.o.b and current address, but unlinked to that of my other one? Is the CRA system clever enough to work out that the names and date of births on two different files are the same, and query it? If it isn't, presumably as I've now got a bank account and a Maestro card it would be possible to go about building up some good history on my 'new' file via a catalogue or mobile phone account etc? There's no way I'd ever want more credit cards or loans in a million years, but it would be a useful in the future to have a credit file that is 'clean', as it were.
Does anyone know the ins and outs of this?