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UK credit check

  • 25-08-2021 7:18pm
    #1
    declan_8
    Registered Users, Registered Users 2 Posts: 109 ✭✭


    As above being asked for this for mortgage application but not sure if I can get one since I don’t have a current uk address.

    Having lived there for 4 years in early 2000 and have a UK Ulster bank account for my wages, cross border worker.

    Experian and Equifax are looking for addresses I can provide them so wondering if anyone has any success with this before.



Comments

  • #2
    AngryLips
    Registered Users, Registered Users 2 Posts: 2,790 ✭✭✭AngryLips


    I had this problem, although I was able to provide a UK address, however it had been so long since I lived there that it would have been beyond the period of Equifax's data retention period. I spoke to Equifax and explained the situation and they said that in this situation they just provide a memo advising that they didn't have any record of me. However, the bank you're applying for a mortgage through will also try to work around this if you are unable to get a UK credit check, I think my bank mentioned that there were ways around it. For example, I would suggest you perhaps contact your UK bank and ask them to provide a letter confirming that 1. you are in a good credit position with them and 2. that you have maintain an ROI address with them the entire time you held an account with them.



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