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However, if there is any financial information at an HMP address, this will not be disclosed on the copy of the report that you receive but may come up in a future application for credit?It is unlikely that failing to declare an HMP address as a previous address when applying for your credit report would be classed as misrepresentation as it could quite reasonably be argued that:- Also, you are not legally obliged to tell a credit reference agency anything: the information it holds is provided by the lenders who share details through its database.

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Any information collected about you is used to compile a credit report which produces a numerical value referred to as a ‘credit score’.

Experian have stated to Unlock that they understand the sensitivities around this issue and, as a result, as long as there is no adverse data at an HMP address, they will happily remove any ‘address links’ between these and your residential addresses.

However, to kick start this process, you would first need to get a full credit report to enable them to tidy things up.

The credit reference agency merely uses the addresses you supply to retrieve information listed on its database about your credit activity at the address/es you give.

If you were not credit active whilst in prison that ‘address’ is irrelevant, so you could apply just with the address you are happy to go on record.