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Minimising Stress When Moving Home
Moving home is said to be one of the most stressful things one can do, more stressful than changing jobs - From the moment you approach an estate agent to sell your home and start looking for a new home to buy, to the moment you finally put the key in the lock of your new home, there's a lot to deal with, which can create stress.
What's more, there are lots changes to manage. You'll be changing your gas, electric, and phone suppliers, or will at least have to notify them of your new address (and new account). Plus you may have some new credit agreements to manage, from credit on new furnishings and the mortgage itself to a new kitchen or digital TV subscription... So much to do and so little time...
Fortunately, there are a variety of ways to minimise stress when moving home. As well as making sure you label boxes and keep a box with essentials with you (including tea bags, a kettle, milk and important documents) you should:
Obtain a copy of your credit file before you start the buying, selling and moving house process. You can get a copy of your credit reference file from one of the Credit Reference Agencies, Equifax or Experion. This will give you the chance to uncover any issues that may prevent you from getting a new mortgage or getting credit elsewhere. (For reasons why you might be refused credit - click here). And, should you need to repair your credit history, you will be able to set the wheels in motion before applying for mortgage or other credit. Getting a copy of your credit reference file will also give you the opportunity to check and notify all of your credit accounts, including mail order accounts which are often forgotten about. This will also help prove you live where you say you do (once you've moved) whether you are on the electoral roll or not. It is important to notify all current credit accounts that you are moving and give them your new address, so you move them with you and don't miss any payments.
Figure up how much you need in total in terms of credit/borrowing before you start, as you'd be better of finding a loan with a good rate, rather than applying for various credit cards, store cards, loans and other credit arrangements. This is to avoid multiple credit searches appearing on your credit reference file. Abnormal activity is looked out for by lenders who see lots of credit applications over a short space of time as potential fraud, so, if you are moving home and applying for credit from a number of different lenders, write to the credit department of those lenders explaining that you are moving house. (You'll only need to do this if you find you are refused credit on this basis).
Register on the electoral roll and/or tell your local council you have moved to the area to increase the likelihood of you getting onto Electoral Roll sooner rather than later. If you are not on the electoral roll and unable to get on it before you apply for credit, provide your previous address to those you are seeking credit from, along with proof of adress (a utility bill, driving licence and/or bank statement).
Credit Repair
Credit Repair: Credit Repair
Credit Repair: Discover How To Repair Your Credit History
Credit Repair: Refused Credit? Discover Why
Credit Repair: The Credit Check
Credit Repair: Credit Information Factfile
Credit Repair: Bereavement or serious illness
Credit Repair: Divorce or separation
Credit Repair: Redundancy or income reduction
Credit Repair: Moving Home
Credit Repair: Leaving Home
Credit Repair: Beware of Dodgy Promises and Bogus Credit Repair Companies
Credit Repair: Sample Credit Repair Letters
Credit Repair: CCJ Removal
Credit Repair: Default Notice removal
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