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Unable to get a credit check from foreign country

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  • 13-06-2019 1:12am
    #1
    Registered Users Posts: 1


    Hello everyone,

    So last year I worked abroad for 10 months in Austria and returned just before Christmas for a better job.

    I am currently looking into getting a mortgage. I have everything in order (deposits/statements etc.). The only thing I am struggling with is a credit check from Austria.

    For anyone wondering, Austria has no central credit bureau, unlike Ireland. Any third party agency I have contacted so far has not being able to help. This is a very long story and would waste a lot of time explaining. Anyone who has lived in Austria before would understand.

    Anyways, if anyone has experience or even expertise about getting a credit check from Austria then please let me know.

    Also, if in the extreme event I can't get a credit check will the banks take proof that I can not get this into account (I have email proof from different agencies).

    Thanks.

    PS - All I had in Austria was a current account for work and only used this strictly for salary payments.


Comments

  • Registered Users Posts: 4,825 ✭✭✭LirW


    Might be an idea getting in touch with your former bank and get them to draft you a letter saying you've only been a current account Customer with them.
    When I moved to Ireland I printed out all my transfers of the last year I lived in Austria, you might need it one day for social welfare purposes anyway.

    What did banks say about not being able to get a credit history because something like this doesn't exist? Austria isn't the only country not having anything like that.

    You could also argue if you'd be in debt in Austria still you'd have payments going out of your account to a foreign lending institution, which clearly isn't the case. Get proof that your Austrian bank account is closed.

    I feel your pain though, when I moved over I had drawn out issues with my bank for stuff that should take no time at all.


  • Registered Users Posts: 86 ✭✭limerick85


    Hi,it's not Austrian related but having the same issue when looking for a German credit check.has anyone any advice.i am in Ireland for 9 years but still have a German account from which I pay loans from.who should I contact in Germany??Banks want this for our mortgage


  • Registered Users Posts: 9,776 ✭✭✭antoinolachtnai


    limerick85 wrote: »
    Hi,it's not Austrian related but having the same issue when looking for a German credit check.has anyone any advice.i am in Ireland for 9 years but still have a German account from which I pay loans from.who should I contact in Germany??Banks want this for our mortgage

    The famous Schufa I would imagine.

    https://www.germanymore.de/check-schufa-score-germany/


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