http://www.thetimes.co.uk/article/0,,223-61189,00.html WHY MIGHT I HAVE A TARNISHED CREDIT RECORD? "...Another problem is living in a household with a poor credit record. Lenders will typically look at the addresses where you have lived for the past six years. They are entitled to take into account the credit histories of people living at those addresses with the same surname as you. They may also take into account whether you have moved around a lot and whether you are actually registered on the electoral roll or not..."