Coming home to the UK
Aug 24th 2012, 2:45 pm
#1
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Thread Starter
Joined: Aug 2012
Posts: 2
Coming home to the UK
Hi,
I am coming back to the NE of England next week and I have a quick question about Credit Reports.
My credit rating is not good and I'm worried that if I apply for a credit card once back in the UK, the credit report will show my poor credit history here. (I'm in Canada). I know that the UK uses Equifax for it's credit reports, the same company that Canada uses.
What I would like to know is if a credit check is run on me in the UK, will it show my credit history in Canada?
I am coming back to the NE of England next week and I have a quick question about Credit Reports.
My credit rating is not good and I'm worried that if I apply for a credit card once back in the UK, the credit report will show my poor credit history here. (I'm in Canada). I know that the UK uses Equifax for it's credit reports, the same company that Canada uses.
What I would like to know is if a credit check is run on me in the UK, will it show my credit history in Canada?
Aug 24th 2012, 3:27 pm
#2
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Joined: Aug 2012
Posts: 14
Re: Coming home to the UK
Don't think the credit history is worldwide. You can order your own credit through Equifax in the UK so you will be able to see if it shows the credit history in Canada
Aug 24th 2012, 3:52 pm
#3
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Joined: Apr 2005
Location: Western burbs, Melbourne
Posts: 2,260
Re: Coming home to the UK
we found even with excellent credit rating overseas and a previous excellent position in UK, when we came back getting a credit card was harder than scaling Mount Everest.
Applications ask for your last 5 years of addresses, so you need to enter your overseas address AND you have to be on the electoral roll before you will be accepted.
We could only get a card after about 4 months- once we had a place and registered to vote.
Credit ratings don't cross borders but I guess they check something when asking for an overseas address.
Applications ask for your last 5 years of addresses, so you need to enter your overseas address AND you have to be on the electoral roll before you will be accepted.
We could only get a card after about 4 months- once we had a place and registered to vote.
Credit ratings don't cross borders but I guess they check something when asking for an overseas address.
Aug 24th 2012, 4:47 pm
#4
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Joined: Aug 2012
Posts: 800
Re: Coming home to the UK
Credit ratings are by country. I would recommend maybe getting a copy of your credit report before you leave for the UK to take it with you. However credit companies may not even want to look at it and you will have to build your credit back up in the UK.
Whereabouts in the NorthEast are you going to?? I may be moving back to West Yorkshire later this year.
Whereabouts in the NorthEast are you going to?? I may be moving back to West Yorkshire later this year.
Aug 24th 2012, 9:27 pm
#5
Just Joined
Thread Starter
Joined: Aug 2012
Posts: 2
Re: Coming home to the UK
Credit ratings are by country. I would recommend maybe getting a copy of your credit report before you leave for the UK to take it with you. However credit companies may not even want to look at it and you will have to build your credit back up in the UK.
Whereabouts in the NorthEast are you going to?? I may be moving back to West Yorkshire later this year.
Whereabouts in the NorthEast are you going to?? I may be moving back to West Yorkshire later this year.
Aug 28th 2012, 11:07 am
#6
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Joined: Aug 2012
Posts: 1
Re: Coming home to the UK
I would suggest you take a copy of your credit report with you before leaving to the UK. I believe that your credit history will be shown in either of the countries. You have the option of issuing a new credit card, as there are numerous lenders offering you good credit despite your poor credit history. However, you need to ensure that you are able to rebuild a healthy credit history and pay less interest in future.
