Trying to set up in a blacklisted house?

[mindermummy]

My firend is trying to set up as a childminder, and has just moved house.
She hasnt actually got anywhere yet as she was waiting to be in the new address first.
But, has not found out the house is blacklisted.
Anyoe know if this can effect the application ??? Anyone dealt with this themselves??

I don't know what "blacklisted" means? Blacklisted by whom?

Well, people that lived there beofre he got into serious depts, with gas comapanies, water, bills in general and the house is classed as blacklisted..ie not very good....anyone else explain..??

I don't know much about it but surely it should be the people who lived there who are blacklisted and not the house itself, iyswim?

It's the person that is black listed not the house.

some of the credit rating works on address - you need to speak to them (debt rating agencies like Equifax) to get it cleared

In my experience the address is listed as bad for credit, you will need to contact the credit reference agencies to verify new residancy.

Equifax, Experian are the 2 biggies (credit rating agencies, not debt as I said!) to consider

Houses don't get blacklisted - all she has to do is show that she is not the person who had bad debts, and show her previous adresses, etc.

Experian provide a service which will check the credit status of an individual. Their Credit Expert website has details about how lenders make decisions - it's done on Credit Score.

How does this affect becoming a childminder? If your friend needs a loan to startup, then if they approach their own bank they are more likely to get a favourable response as their bank knows their financial history.

Ofsted may well use data sources such as Experian to check identification, but Ofsted do not get involved in money things, so can't see that they would be doing any form of a Credit Check (if they were to be doing that, they would need your permission).

Things your friend needs to do:
Notify every organisation he/she has dealings with regarding change of address, especially government such as DVLA, Council Tax and Voters register. The Register of Electors is very important, and you are not automatically on it if you pay Council Tax... you need to register on it separately. Contact Electoral Services at the local council - About My Vote : Enter full postcode for details about how to register to vote.

joash is right but the rating hangs around till it is proved they don't live there anymore - but I know that when we lived at this one house, we could not get a mobile phone, satellite TV nothing...couldn't even get the gas and electricity people to sort out the connections till we had written to Equifax to prove we had moved in and the other lot had moved out. It probably would have happened over a matter of time but we needed to start getting things sorted so had to intervene.

if the house has bad debt on from previous people it would prob show up in searches?, if not equifax will give you detailed summary of all probs at that address and you can be dissasociated from them by filling in a form, meaning you are the new owner, new slate!.hth