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Poor credit score and opening ISA

ksbrogan
ksbrogan Posts: 1 Newbie
in Credit file & ratings
If opening a cash ISA / help to buy ISA with your current bank will they run a credit check prior to opening the account even if already an existing customer?

Any info on this would be much appreciated.

Regards,

K

Comments

  • DCFC79
    DCFC79 Posts: 40,644 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    ksbrogan wrote: »
    If opening a cash ISA / help to buy ISA with your current bank will they run a credit check prior to opening the account even if already an existing customer?

    Any info on this would be much appreciated.

    Regards,

    K

    Just 1 point your credit score isn't seen by anyone, the history is whats seen.
  • amfan
    amfan Posts: 108 Forumite
    Fifth Anniversary Combo Breaker
    I don't know the actual answer, but I can say from my experience, I never had a problem opening an ISA when I had less than favourable credit history.
  • Chappaz
    Chappaz Posts: 138 Forumite
    Fifth Anniversary 100 Posts Combo Breaker
    I opened an ISA and there were no checks on my report of any kind.

    There's no real reason why there would be. It's not credit and there's no risk of you ever owing anything.

    Some banks might have their own policies but I'd be surprised if any credit checks occurred.
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