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Savings and credit check

shinner
shinner Posts: 670 Forumite
Seventh Anniversary Combo Breaker
in Debt-free wannabe
Can companies see if you have a savings account and how much is in it ?
sealed pot challenge 099
2013 £365 in total
2014 ???? Target £400
debt 1 [STRIKE]6753[/STRIKE] [STRIKE]6386[/STRIKE] 0000 debt 2 [STRIKE]4973[/STRIKE] [STRIKE]4731[/STRIKE] 0000 debt 3 [STRIKE]3673[/STRIKE] 0000 debt 4 [STRIKE]2400[/STRIKE] [STRIKE]2239[/STRIKE] 0000
OH debt [STRIKE]3800[/STRIKE]2780
Bank of Mum [STRIKE]£2750[/STRIKE] 2000

Comments

  • matttye
    matttye Posts: 4,828 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Only if your savings are with the same lender you're applying for credit with.
    What will your verse be?

    R.I.P Robin Williams.
  • The_Boss
    The_Boss Posts: 5,866 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Generally they can see an account but do not see how much it has in it if in credit.

    If an account has an overdraft, then they can see the balance.
  • shinner
    shinner Posts: 670 Forumite
    Seventh Anniversary Combo Breaker
    Ok thanks time to get rid of overdraft off my current account i think.
    I am trying so hard to keep my balance up as it is with my mortgage lender and would love a better deal.
    sealed pot challenge 099
    2013 £365 in total
    2014 ???? Target £400
    debt 1 [STRIKE]6753[/STRIKE] [STRIKE]6386[/STRIKE] 0000 debt 2 [STRIKE]4973[/STRIKE] [STRIKE]4731[/STRIKE] 0000 debt 3 [STRIKE]3673[/STRIKE] 0000 debt 4 [STRIKE]2400[/STRIKE] [STRIKE]2239[/STRIKE] 0000
    OH debt [STRIKE]3800[/STRIKE]2780
    Bank of Mum [STRIKE]£2750[/STRIKE] 2000
  • matttye
    matttye Posts: 4,828 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    The_Boss wrote: »
    Generally they can see an account but do not see how much it has in it if in credit.

    If an account has an overdraft, then they can see the balance.

    Is this through the credit report or some other means? I have an eSaver and two ISAs (one opened in error; never deposited into it) and none of these show on my credit report.
    What will your verse be?

    R.I.P Robin Williams.
  • The_Boss
    The_Boss Posts: 5,866 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    matttye wrote: »
    Is this through the credit report or some other means? I have an eSaver and two ISAs (one opened in error; never deposited into it) and none of these show on my credit report.


    When were they opened?
    Not so certain an ISA would show.
  • matttye
    matttye Posts: 4,828 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    The_Boss wrote: »
    When were they opened?
    Not so certain an ISA would show.

    eSaver: July 2010
    ISAs: June 2011

    Must have forgotten to open a new one last year and it now has 0% interest, oops! Balance has been low so there wouldn't have been much interest to speak of anyway so I'm not too bothered.
    What will your verse be?

    R.I.P Robin Williams.
This discussion has been closed.
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