It's a very important point. I know with all the moving I have done since I left Georgia 2.5 years ago now that it was just easier and safer for me to list my mom's address where I grew up as my billing address. I can trust dear ole mom
I know another point along the same lines is family names. I'm a third. Trey is my nickname. My credit report is not intertwined with my father's but some addresses have been mixed up. I've had to do some work on my part to make sure none of my accounts have been attached to his report and visa versa. We both have good credit but it's still too important to not stay on top of in my opinion.