Returning from living overseas

Simba87

Hey guys,

I have lived in Australia for the last three years. Before leaving I closed my HSBC current account, but left my Halifax savings account open with a small sum of money in it.
I am now back in the UK and need to get things back up and running.

How can I check my credit score?? Do I even have one??

Can I open a new bank account?

Will I be able to rent a property??

Thanks in advance

Candyapple

1. No such thing as a credit score, only your credit history.

You can obtain copies of your credit reports from the 3 credit reference agencies here which costs £2 each (Noddle which is CallCredit is free):
http://www.equifax.co.uk/Products/credit/statutory-report.html
http://www.experian.co.uk/consumer/statutory-report.html
https://www.noddle.co.uk/

2. Yes, you should be able to open a bank account - however, you may want to try with Halifax first seeing as you still hold a product with them. If you get turned down for a current account, you may have to settle for a basic bank account until your credit history is better.
http://www.moneysavingexpert.com/banking/basic-bank-accounts

3. As long as you have a job and money for a deposit, I don't see any reason why not.

Simba87

Thanks for that.

I completed one of the credit checks, but returned as an error. Guess I will just have to start from scratch and follow the credit builder tips