Go Back  British Expats > Living & Moving Abroad > USA
Reload this Page >

UK Credit Report

UK Credit Report

Old Jul 2nd 2010, 4:03 pm
  #1  
Just Joined
Thread Starter
 
Joined: Jun 2009
Posts: 17
Welsh_girl is an unknown quantity at this point
Default UK Credit Report

Hi All,

Hope everyone is looking forward to July 4th weekend??

I'm after some advice from anyone who has managed to access their UK Credit Report from over here in the States.

My husband and I are trying to get a mortgage over here and our mortgage expert has asked us to get a copy of our UK credit report which is proving really difficult. THe biggest problem is that we're under a 2 week time constraint. So far, I have tried Experian and Equifax, neither of which will allow me to put in a US address as my current address and the customer service teams are hideously unhelpful. I have been passed around from person to multiple choice answer phone for over an hour and I'm really losing patience.

Can anyone help? Please??

THanks, Sara
Welsh_girl is offline  
Old Jul 2nd 2010, 4:18 pm
  #2  
BE Forum Addict
 
E3only's Avatar
 
Joined: Jul 2008
Location: East Bay Area
Posts: 2,192
E3only has a reputation beyond reputeE3only has a reputation beyond reputeE3only has a reputation beyond reputeE3only has a reputation beyond reputeE3only has a reputation beyond reputeE3only has a reputation beyond reputeE3only has a reputation beyond reputeE3only has a reputation beyond reputeE3only has a reputation beyond reputeE3only has a reputation beyond reputeE3only has a reputation beyond repute
Default Re: UK Credit Report

Are you not able to get e-mailed? I am not from UK but Australia's credit agency does that. Or may be send it to a family and they can scan and send it to you?
E3only is offline  
Old Jul 2nd 2010, 4:22 pm
  #3  
Just Joined
Thread Starter
 
Joined: Jun 2009
Posts: 17
Welsh_girl is an unknown quantity at this point
Default Re: UK Credit Report

They won't email it because we don't have a current UK address. We apparently have to apply in writing to get it but as we only have 2 weeks to get this done, I very much doubt that it's going to get here in time. :0(
Welsh_girl is offline  
Old Jul 2nd 2010, 5:08 pm
  #4  
BE Forum Addict
 
E3only's Avatar
 
Joined: Jul 2008
Location: East Bay Area
Posts: 2,192
E3only has a reputation beyond reputeE3only has a reputation beyond reputeE3only has a reputation beyond reputeE3only has a reputation beyond reputeE3only has a reputation beyond reputeE3only has a reputation beyond reputeE3only has a reputation beyond reputeE3only has a reputation beyond reputeE3only has a reputation beyond reputeE3only has a reputation beyond reputeE3only has a reputation beyond repute
Default Re: UK Credit Report

Originally Posted by Welsh_girl View Post
They won't email it because we don't have a current UK address. We apparently have to apply in writing to get it but as we only have 2 weeks to get this done, I very much doubt that it's going to get here in time. :0(
Sounds ridiculous. So how does someone who has not been in the UK for a while get access to their credit history....
E3only is offline  
Old Jul 2nd 2010, 5:19 pm
  #5  
Chocoholic !
 
ChocolateBabz's Avatar
 
Joined: Jun 2007
Location: Houston, TX - Officially Not Shit since 2009
Posts: 2,315
ChocolateBabz has a reputation beyond reputeChocolateBabz has a reputation beyond reputeChocolateBabz has a reputation beyond reputeChocolateBabz has a reputation beyond reputeChocolateBabz has a reputation beyond reputeChocolateBabz has a reputation beyond reputeChocolateBabz has a reputation beyond reputeChocolateBabz has a reputation beyond reputeChocolateBabz has a reputation beyond reputeChocolateBabz has a reputation beyond reputeChocolateBabz has a reputation beyond repute
Default Re: UK Credit Report

When we did this (back in June 2008) we used our last UK address as our 'current' address and printed it out online. We had only just moved though so there wasn't much of a gap between leaving and applying for the report.
ChocolateBabz is offline  
Old Jul 3rd 2010, 9:39 am
  #6  
Forum Regular
 
Joined: May 2010
Posts: 101
washsaint is just really nicewashsaint is just really nicewashsaint is just really nicewashsaint is just really nicewashsaint is just really nicewashsaint is just really nicewashsaint is just really nicewashsaint is just really nicewashsaint is just really nicewashsaint is just really nicewashsaint is just really nice
Default Re: UK Credit Report

Hi there

I have recently gone through a similar process (with BB&T who were absolutely fantastic). I had no US credit history so the bank commissioned an international credit check....this involved Experian contacting my UK mortgage company and credit card companies with me on the line to verify a credit history.

BB&T were not interested in that I had a shining credit history - more that I had had good credit (even though this was not factored into the application re. good credit history).

One word of caution - I spent a long time on my mortgage application and it went to underwriting (who had been kept onside) and they rejected the application! Thankfully the BB&T mortgage guy was great and got the Regional Director to approve without underwriting - and I got a 5.75% 30 year fixed rate.

Good luck!
washsaint is offline  
Old Jul 3rd 2010, 11:43 am
  #7  
Just Joined
Thread Starter
 
Joined: Jun 2009
Posts: 17
Welsh_girl is an unknown quantity at this point
Default Re: UK Credit Report

Thanks so much for all of your replies!

Washsaint, did your bank phone Experian US not Experian UK? That might work for us providing our mortgage guy is willing to phone them.

We're now through attorney review so crossing everything in the hope that this goes smoothly!

thanks again, Sara
Welsh_girl is offline  
Old Jul 3rd 2010, 7:06 pm
  #8  
Forum Regular
 
Joined: May 2010
Posts: 101
washsaint is just really nicewashsaint is just really nicewashsaint is just really nicewashsaint is just really nicewashsaint is just really nicewashsaint is just really nicewashsaint is just really nicewashsaint is just really nicewashsaint is just really nicewashsaint is just really nicewashsaint is just really nice
Default Re: UK Credit Report

Hi Sara

Yep, my US bank contacted Equifax US (my bad, not Experian!!) who then contacted me. I then gave them the details of the credit card companies and bank and we did the calls together.

Good luck!
washsaint is offline  
Old Jul 4th 2010, 1:29 pm
  #9  
Just Joined
 
Joined: Jul 2010
Posts: 3
shoes25 is an unknown quantity at this point
Default Re: UK Credit Report

Originally Posted by Welsh_girl View Post
Hi All,

Hope everyone is looking forward to July 4th weekend??

I'm after some advice from anyone who has managed to access their UK Credit Report from over here in the States.

My husband and I are trying to get a mortgage over here and our mortgage expert has asked us to get a copy of our UK credit report which is proving really difficult. THe biggest problem is that we're under a 2 week time constraint. So far, I have tried Experian and Equifax, neither of which will allow me to put in a US address as my current address and the customer service teams are hideously unhelpful. I have been passed around from person to multiple choice answer phone for over an hour and I'm really losing patience.

Can anyone help? Please??

THanks, Sara
DO YOU HAVE SOMEONE HERE YOU COULD USE THEIR ADDRESS ,I THINK ONCE YOU OVERCOME THAT YOU CAN ACCESS YOUR CREDIT REPORT AND PRINT IT OUT
shoes25 is offline  
Old Jul 4th 2010, 1:38 pm
  #10  
BE Forum Addict
 
lisa67's Avatar
 
Joined: Jan 2008
Location: Toasty in Texas
Posts: 4,240
lisa67 has a reputation beyond reputelisa67 has a reputation beyond reputelisa67 has a reputation beyond reputelisa67 has a reputation beyond reputelisa67 has a reputation beyond reputelisa67 has a reputation beyond reputelisa67 has a reputation beyond reputelisa67 has a reputation beyond reputelisa67 has a reputation beyond reputelisa67 has a reputation beyond reputelisa67 has a reputation beyond repute
Default Re: UK Credit Report

Originally Posted by shoes25 View Post
DO YOU HAVE SOMEONE HERE YOU COULD USE THEIR ADDRESS ,I THINK ONCE YOU OVERCOME THAT YOU CAN ACCESS YOUR CREDIT REPORT AND PRINT IT OUT
Please don't type in capitals, it's considered shouting!
lisa67 is offline  

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information -

Copyright © 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.