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start credit history on validation trip

start credit history on validation trip

Old Sep 28th 2005, 8:43 pm
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Default start credit history on validation trip

Does anyone know a way to start a credit history whilst on a validation trip so that on return to oz you could get a mortgage or have a mobile phone account set up straight away.
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Old Sep 28th 2005, 9:42 pm
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Default Re: start credit history on validation trip

Will be extremely difficult to do, as you obviously will not have an Australian address.

Anyway, wait till you move over:

Rented accomodation: No problem, but take either a reference from your current UK landlord, or bank statements showing regular mortgage payments

mobile phone: No problem-should be straight forward,:

mortgage: No one will lend you that kind of money without a job, chances are when you get a job, you will be on a 3 or 6 month probationary period where again many lenders will not touch you (unless you bung them a 20%+ deposit)

Bank account: No worries (once you have an address in australia)

Car loan: should be no problem, the loan will be secured on the car, so they can always repossess if necessary.
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Old Sep 29th 2005, 3:46 pm
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Default Re: start credit history on validation trip

Originally Posted by Trevglas
Will be extremely difficult to do, as you obviously will not have an Australian address.

Anyway, wait till you move over:

Rented accomodation: No problem, but take either a reference from your current UK landlord, or bank statements showing regular mortgage payments

mobile phone: No problem-should be straight forward,:

mortgage: No one will lend you that kind of money without a job, chances are when you get a job, you will be on a 3 or 6 month probationary period where again many lenders will not touch you (unless you bung them a 20%+ deposit)

Bank account: No worries (once you have an address in australia)

Car loan: should be no problem, the loan will be secured on the car, so they can always repossess if necessary.

I opened an account on my validation trip without any problems & have had stuff posted to me in the UK.
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Old Sep 29th 2005, 3:49 pm
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Default Re: start credit history on validation trip

You can get your credit history transferred, HiFX can do this for you.
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Old Sep 29th 2005, 8:47 pm
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Default Re: start credit history on validation trip

Originally Posted by innocent bystander
Does anyone know a way to start a credit history whilst on a validation trip so that on return to oz you could get a mortgage or have a mobile phone account set up straight away.
Realistically without a job or address its a going to be a bit hard isnt it ? Mortgage offers tend to be based on actually having an income

As to the mobile phone I would recommend that you simply get a prepay sim card such as a Vodafone Red Sim or one of the many others. Get your phone unlocked before you come for a tenner in the UK and then just chuck your SIM card in. Hey presto - mobile phone. No contract, no hassle.
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