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  • FIRST POST
    • ladymay
    • By ladymay 28th Nov 17, 12:16 PM
    • 710Posts
    • 3,312Thanks
    ladymay
    Getting credit score after living abroad?
    • #1
    • 28th Nov 17, 12:16 PM
    Getting credit score after living abroad? 28th Nov 17 at 12:16 PM
    Hi all,

    I'm in the process of moving back to the UK after a few years of living in Ireland and I'm trying to access my credit score. I have a new UK address but none of the credit agencies can find my score and I presume it's because I haven't had a UK address for a few years.

    I think there must be a way around this but I'm not sure what it is - should I call the ratings companies and try and find my file that way? Do I need to wait for a period of time? Does anyone have a similar experience?
    Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
Page 1
    • bengalknights
    • By bengalknights 28th Nov 17, 12:22 PM
    • 4,174 Posts
    • 1,526 Thanks
    bengalknights
    • #2
    • 28th Nov 17, 12:22 PM
    • #2
    • 28th Nov 17, 12:22 PM
    Do you have any previous bank accounts?
    • ladymay
    • By ladymay 28th Nov 17, 12:27 PM
    • 710 Posts
    • 3,312 Thanks
    ladymay
    • #3
    • 28th Nov 17, 12:27 PM
    • #3
    • 28th Nov 17, 12:27 PM
    Hi Bengalknights, I kept my UK account open and it's attached to my new British address
    Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • MEM62
    • By MEM62 30th Nov 17, 11:17 AM
    • 1,394 Posts
    • 1,008 Thanks
    MEM62
    • #4
    • 30th Nov 17, 11:17 AM
    • #4
    • 30th Nov 17, 11:17 AM
    Hi all,

    I'm in the process of moving back to the UK after a few years of living in Ireland and I'm trying to access my credit score.
    Originally posted by ladymay
    Your score is 99 gorats :-)

    Apart from the fictional numbers generated by CRA's to trey and sell you their subscription services you do not have a credit score. What do you have is a credit history and, regardless of whether you have had a UK address or not, if you have not been financially active in the UK for the past five years then your file is going to be a little thin.
    • ladymay
    • By ladymay 30th Nov 17, 10:25 PM
    • 710 Posts
    • 3,312 Thanks
    ladymay
    • #5
    • 30th Nov 17, 10:25 PM
    • #5
    • 30th Nov 17, 10:25 PM
    Ha! Thanks

    It's more that nobody seems to be able to find my credit file... I'm hoping to rent a place of my own in 3-6 months (moving back in with my mum for now) and I want to get it sorted in the event I get credit checked.

    I may well be worrying about nothing, but worrying is something I'm exceptional at!
    Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • DCFC79
    • By DCFC79 30th Nov 17, 10:36 PM
    • 30,399 Posts
    • 19,220 Thanks
    DCFC79
    • #6
    • 30th Nov 17, 10:36 PM
    • #6
    • 30th Nov 17, 10:36 PM
    The rating companies are the credit agencies and its your report your wanting to acces not your score.

    Have you tried speaking to 1 of the agencies at first ?
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • Thrugelmir
    • By Thrugelmir 30th Nov 17, 10:58 PM
    • 56,196 Posts
    • 49,573 Thanks
    Thrugelmir
    • #7
    • 30th Nov 17, 10:58 PM
    • #7
    • 30th Nov 17, 10:58 PM
    I have a new UK address but none of the credit agencies can find my score and I presume it's because I haven't had a UK address for a few years.
    Originally posted by ladymay
    Presumably no UK based job, electoral registration etc either. You'll need to rebuild your profile.
    “Opportunities come infrequently. When it rains gold, put out the bucket, not the thimble”
    ― Warren Buffett
    • ladymay
    • By ladymay 1st Dec 17, 8:01 AM
    • 710 Posts
    • 3,312 Thanks
    ladymay
    • #8
    • 1st Dec 17, 8:01 AM
    • #8
    • 1st Dec 17, 8:01 AM
    Thank you everyone. I think I'll try giving one of them a call and see what they say
    Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
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