credit report in new address after return to UK

palida

hi

i left uk for 6 years now and i will return next month.
so if me or bank run a credit report of me and my address aboard.
(As bank only ask your last 7 years address. )

my old defaults , late payment, ccj would not show up right?
i checked with trust online and no CCJS was recorded.

thanks

palida

any1 had similar experience?

fermi

If the defaults and CCJ were over 6 years ago, they will have dropped of the credit record regardless of address history used.

palida

does it mean if its not show in the TrustOnline report then it also disappeared in my credit report?

also do i need to tell banks i live in UK 7 years before?

fermi

CCJ records on trustopnline are removed 6 years from the judgement date. That is why CCJs drop off your credit report after the same time, as that is where the reports get their info from.

palida

any other things on my credit report would stop me getting bank account?

Tixy

Providing you satisfy the bank's identity verification then you should be able to get a basic bank account regardless of any negatives on your credit files (as basic bank accounts do not offer a credit facility).

You may struggle to a regular bank account with an overdraft facility as you will be new to the UK and not be able to provide a UK address history for the last few years.

palida

but do i need to tell the bank 7 years ago i was in UK?

Tixy

palida wrote: »

but do i need to tell the bank 7 years ago i was in UK?

If they ask you yes, if they do not then no.

palida

and shall i live in other county rather then 1 i use to live?