Can the credit history of people who used to live at my address affect my creditworthiness?

Credit reports are produced on people not addresses, and people's credit reports are only linked when they apply for joint credit facilities or act as guarantors for one another.

So unless you are financially connected to someone – by having a joint bank account, mortgage or investments – no-one else’s financial situation can affect your rating.

So, if previous occupants failed to pay their bills and racked up a lot of debts, their activity will not reflect negatively on you. When they move to a new home, their financial details stay attached to them, rather than the address.