Advertisement
Where is Report Post on mobile? We've made a slight change, see here
Have your say on the future of the 'Save Draft' feature in this poll
MODs please see this information notice in the mod's forum. Thanks!
How to add spoiler tags, edit posts, add images etc. How to - a user's guide to the new version of Boards

Unable to get a credit check from foreign country

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


    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



  • 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.




  • 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




  • 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/


Advertisement