Unfortunately not all credit scoring companies agree that an address should not be loaded re: credit scoring.(posted 8616 days ago)I cannot emphasise the use of the internet for information. It's modern man's equivalent of the flint axe head in present day evolution. The information it can reveal is tremendous. Companies and individuals seem somehow compelled to disclose information to multitudes. It seems if we examine it, that even we, ourselves via this forum, are doing it as well! We - hopefully being wise (Or crafty) should derive some advantage from it. (Maybe someone will write a thesis on it someday). Anyway this is the information (relevant to the UK) that I have managed to sift from 1 million sites of possible interest in this matter. It took me 45 minutes. I hope that it helps.
http://www.experian.com/uk/consumer/faqs.html
They explain that it's only those with the the same surname that are are recorded and that it's just to help ensure that a family does not take on more commitments than itcan afford. They say that lenders' experience shows that the finances of individual members of a family sharing a home often do impact on each other.
http://www.equifax.co.uk/equifax/index.html
Equifax site's FAQ's are not hidden but they are are not "primary" an up front it's mainly confined to advertising their credit search services (They're known for not committing themselves or for helping debtors)
http://www.times-money.co.uk/borrow/credit-ratings/credit- ratings1.html
http://freespace.virgin.net/bank.help/datash3.htm
http://www.loansite.co.uk/faq.htm
http://www.boltoncab.co.uk/factfiles/credit.htm
http://moneyunlimited.moneyworld.co.uk/glossary/gl00138.htm
http://www.ba-education.demon.co.uk/break/fin/credit.html
http://www.star-t.com/eguide/May00/May-eLegal.htm
http://www.debthelpuk.co.uk/credit_ref.htm