Grow your credit score if you’re moving to or from the UK

By Neil Stone, Experian UK Social Support team

If you have recently moved to the UK, or moved back after a spell abroad, you may be wondering what you can do to start to grow your Experian Credit Score. 

You may even be looking to spread your wings and move abroad, and wondering how this will impact your score.

Due to the differences in data protection laws between countries we are some way off having a “global” credit score, we at Experian in the UK only hold information relating to individuals at UK addresses and so moving to or from a new country will mean starting your credit history afresh.

We’ve put together some tips on what you can do to get started on building your credit history.

If you’re…..moving to the UK for the first time
Firstly, you will need to start building your credit history.  For those that have moved from another EU country, then the first step to take would be to register on the electoral roll.

EU citizens can vote in EU elections, and registering at your current address on the voters roll will help when you apply for credit, as lenders often use this to help confirm the ID of their applicant.  You can find out more about registering to vote at www.aboutmyvote.co.uk

If you are not able to register to on the electoral roll, you can add a note to your credit report (once you have obtained a copy of your credit report) to explain this, called a Notice Of Correction.

Many banks now share information relating to current accounts with overdrafts, so speaking to your bank about such an account could be the next step towards building up your credit history.

As your accounts become more established, lenders will be able to use the information to help make their lending decisions.

If you’re…..moving back to the UK
We hold information on closed accounts for six years, so when moving back from a spell abroad there may still be information on your credit report, depending on how long you have been away.

To check for any old information, make sure you supply your old UK address in your application when it asks for a previous address.

If you’re …..moving to another country from the UK ~
As information on your UK credit report is for use within the UK only, we can’t supply your UK credit report to any countries outside of the UK.

If you are moving abroad, you may want to get a copy of your credit report to take with you when you go. This way you would be able to provide a potential lender with your UK credit report yourself should they wish to see it.

The Experian Credit Score is a guide to help you understand your credit report, and how the way you’ve managed the credit you’ve had in the past might affect applications you’re making now. For more information on how to improve your Experian Credit Score, here are our top 5 tips.

73 thoughts on “Grow your credit score if you’re moving to or from the UK

  1. Saudi Worker

    I currently work in Saudi Arabia for a UK based company. Although I am away from the UK for no less than 40 weeks a year I still have a UK address (where my wife and kids live) and a UK bank account, which my salary is paid into.

    However, owing to new laws, my colleagues and I are being forced to open Saudi bank accounts for the purpose of salary payment. Once this payroll change happens the intention is to transfer the money to the UK account asap after it is received.

    Would this have an affect on my credit rating? As the main reason the majority of us are out here is to raise money for a reasonable deposit for a mortgage.

    Reply
  2. John

    I currently serve in the British Army and have been posted to Cyprus for four years. After coming back my credit rating is really bad, how is this fair?

    Reply
    1. CreditExpert Neil

      Hi John, thanks for getting in touch. Sadly we don’t hold information relating to addresses outside of the UK, as a result your Experian Credit Score will be based on the UK information appearing on your report. You can add a notice of correction to your report to explain your situation. Any lenders searching your report will then be able to take this into account. You can find out more about adding these here.
      Our Ask James page as further advice for this situation here. Kind regards Neil

      Reply
  3. Sharon woods

    Hi, I moved to Spain 3 years ago and we have been to see about a mortgage in Spain they need a credit score done ..Went on line to do one and they could not find me I still have a house in Scotland but changed my bank card address to my mum.Not sure what to do thanks

    Reply
    1. CreditExpert Neil

      Hi Sharon, you can apply for a one off paper copy of your Experian report while living abroad which you can then show the company our are applying for.

      You would need to apply in writing though and also provide documents linking you to your current and UK addresses.

      To apply, please send an application by post giving the following details:

      – Your full name and date of birth
      – Your present address and telephone number
      – Full address history in the UK (including any addresses you are using for postal reasons)

      You can download an application here.

      Please also supply us with the following documents that link you to your current overseas address:

      – Two photocopied documents dated within the last three months from your overseas address. The types of documents we need are bank statements, utility bills, mortgage statements, council tax bills, credit card statements, mobile phone bills.

      – Photocopied documents from your most recent UK residential address.

      – A photocopy of your passport, birth certificate or UK driving licence (full or provisional). You do not need to send the original.

      These documents should be sent to:

      Experian,
      PO Box 9639,
      Nottingham,
      NG80 1AE

      A fee of £2 is applicable by cheque or postal order.

      Kind regards Neil

      Reply
  4. Brian D Mellon

    Hi…can I transfer credit ratings from Southern Ireland back into Northern Ireland- where I’ve previously lived and worked. I have no credit history now in Northern Ireland.

    Thanks.

    Reply
    1. CreditExpert Neil

      Hi Brian, we are only able to hold information relating to addresses in the UK due to Data Protection laws. Sadly this means it is not possible to transfer credit report information from Southern Ireland to your UK credit report.
      If you have a copy of your report from Southern Ireland then you would be able to provide this to lenders directly should they wish to see it. You could also add a Notice of Correction to your credit report to explain this to potential lenders. You can find out more about adding a Notice of Correction here. . If you need to obtain a copy of your report in Southern Ireland our colleagues will be able to help you with this here. Kind regards Neil

      Reply
  5. Ryszard Kaminski

    Credit scoring seems not to take into account the fact that the world has changed and people move from country to country in search of work and for other reasons. It would also seem that in an era of interconnectivity the credit scoring is insular in it’s approach even though the UK is supposed to be taking it’s leave from the EU, the fact that moving from one EU nation to another appears to take one’s credit rating back to zero if you have lived out of the country you have moved to for over a certain time. Surely there has to be a better way of dealing with this instead of waiting for 2 years to get credit rated.

    Reply
    1. CreditExpert Neil

      Hi Ryszard, thanks for your comment! You are right that credit reporting is very insular as we can only report on information in the UK. The difficulties are due to the different levels of data protection laws that exist in each country and consent which has been given for what can be done with the information. I think we are quite some way off having any kind of global credit report yet! Kind regards Neil.

      Reply
  6. ari

    Hi, Ive lived abroad for mot of the past 18 years therefore I currently have no credit rating in UK. Additionally I am not employed in the UK and do not have a UK salary at present. This is making it impossible for me to get a credit card. The only one I seem to be illegible for is a prepaid with 59.9%APR. I cannot find advise on what to do. Any advise appreciated.

    Reply
    1. CreditExpert Neil

      Hi Ari, I understand that you have recently moved to the UK, it can take time to start to build a UK credit history, there are steps that you can take to help to speed this up.
      You may want to check if you are eligible to register on the electoral roll. This is something that lenders can use to help confirm the ID of their applicant. You can find out if you are able to register at http://www.aboutmyvote.co.uk
      Many companies now also record current account details on credit reports, so you may wish to check with your bank to see if they are providing details to a credit reference agency. This will help to start to build a credit history. Kind regards Neil.

      Reply
  7. Tara

    Hi there, I moved to the UK from Australia (I hold dual citizenship) 2 years ago and am trying to build my credit rating. I’ve never missed a payment and have a solid consistent income. My current credit rating is very poor. I am on the electoral roll and have a credit card (with another on its way). I understand that the reason my rating is poor is due to me not being in the country for very long. My question is, how long (providing no missed payments etc) does it take to build to a good or excellent rating? I know you probably can’t give me a definitive answer but any guidance would be greatly appreciated!

    Reply
    1. CreditExpert Neil

      Hi Tara, I hope you are enjoying being in the UK!
      It sounds like you have got off to a good start in building your UK credit history.
      While average age of accounts is something that impacts your score, this is just one of a number of factors that influence score, so sadly we can’t say that a credit report will improve after a set time, as it will also depend on the other information on your report.
      As well as being on the electoral roll having well run accounts showing on your report will help your credit score. Many current accounts now appear on credit reports, so it would be worth speaking with your bank to see if they share this information with credit reference agencies. Kind regards Neil

      Reply
  8. stefano

    I came to UK for job purpose from one of EU states . My employer asked me my banking details i tried to open bank account online i tried with some banks Lloyds accepted my application they offered me overdraft i applied for it then they asked me to provide ID and other documents like conceal tax etc which i dont have so this application seems not working i tried HSBC online application sent my form no reply yet . Then i tried nationwide for current account i tried to put no overdraft option but system said i need to put some amount may that account type requires an overdraft i selected 100gbp overdraft i dont need it but just to run forward system i applied at the end they said they checked experian so they refused overdraft finally they accepted my current account application but still they need many documents like council tax for prof of address i dont understand if someone is new to uk how could he or she provide such documents no option left for even opening current account . Now i decided to check with experian whats wrong there i applied for subscription they wrote me with list of more documents to provide like last three months bank statements i dont have them again fail seems close street for me . Now i tried with barclays they said we can open bank account on phone they offered me a card for short credit history finally application went declined i asked for reason they said my name is not registered on electoral roll register . Any expert could give me advise here what to do next because everything is messed in my case. I dont need any card any overdraft a Simple bank Account is enough . But no one is offering to open account without prof of address like council tax bills etc . Best regards

    Reply
    1. CreditExpert Neil

      Hi Stefano.
      When you make an application for a current account either with or without an overdraft facility the bank will need to perform a number of checks and may ask for documents to confirm your ID if they are unable to confirm your ID from information on your credit report.
      If you have recently moved to the UK then their is likely to be little information recorded in your name, which is why they would ask for documents.
      As you are from the EU you will be able to register on the electoral roll to vote in European elections, many banks will use the voters roll information to confirm that you are living at the address you have applied from. So registering would be a good first step to take. You can find out more about registering to vote here . If you also have any household bills in your name then contacting your provider and seeing if they can send you a statement may also help if you don’t have a council tax bill in your name. Kind regards Neil.

      Reply
  9. Jovancho

    Hi, I have moved from Vienna 2 and a half years ago. I want to check my credit score but I am asked to provide an address for the last 6 years. Does that mean that I can’t personally check my credit score?

    Reply
    1. CreditExpert Neil

      Hi Jovancho, we ask that you provide six years of UK address history to make sure that you can view all the information that we hold relating to you on your credit report.
      If you have not been in the UK for six years you can still apply for your report, you will need to provide the addresses you have used in the UK as the 6 years address history in your application. Kind regards Neil.

      Reply
  10. Henrik

    I would like to know how I can see what me and my wife owes to different companies and governments in the UK. We both left the UK in March 2012 and have not heard anything in regards to parking tickets and C/C charges (London) etc. I know that all debts could/will be written off after 6 years but it would be good to know how much it is and if we could actually pay it off instead.
    Planing of going back to the UK in a near future and don’t want to get arrested for skipping a few parking fines.

    Since we don’t live in the UK at the moment it does not seem to be possible to get a credit report online?

    Any advice would be helpful.

    Kind regards,

    Henrik

    Reply
    1. CreditExpert Stuart

      Hi Henrik,

      In terms of seeing any debts which are filed against you, it would depend on what is marked against you.

      In terms of money owed for parking tickets or congestion charges, these are not reported to us at this time and would not be listed on your Experian Credit Report.

      It is possible however depending on if you did miss payment for parking charges that it would be marked as a CCJ against you at this time. If you’re concerned about this and you feel there may be stuff recorded against you, you may want to contact the organisations who you feel this may be with to get further information.

      You are however able to obtain a copy of your Experian Credit Report while you are abroad however due to security, we are not able to offer this facility online.

      If you are looking to obtain a copy of your report, please contact us as we’ll be happy to help you out with this.

      Kind regards,
      Stuart

      Reply
  11. Terry

    Hi,

    I am moving to ROI and have been requested as part of my employment to complete a credit check.

    My question is will the employer in Ireland be able to see my UK history?

    Thanks

    Reply
    1. CreditExpert Joe

      Hi Terry, the UK Experian credit report is based on information in the UK only for UK organisations. They may ask you to obtain a copy of your UK report to give to them though.

      Joe

      Reply
  12. john paterson

    Hi,
    My wife just moved over from the USA in December and we’re having issues trying to get her credit built up. She can’t go on the register, and when trying to apply for a credit card, she needs a UK address for over 2 years. We plan to buy a house in a years time together. She has a bank account as well as a Help to Buy ISA… Can you give any advice?

    Reply
    1. CreditExpert Neil

      Hi John, I hope your wife is enjoying her time in the UK! As she can’t register on the electoral roll she may wish to add a notice of correction to her credit report to explain her situation. More details on how to do this here.
      Having a bank account should help here to start building a credit history in the UK as many current accounts are now reported on credit reports. She may want to check with her bank to see if they are supplying the details to credit reference agencies. Mobile phone accounts often report their information on credit reports so they can also be a way to start to build a credit history. Kind regards Neil.

      Reply
  13. Nick Evans

    Hi
    Both my wife and I (British Citizens) have been non resident in the UK for over 7 years. I work in the Middle East and we are in the process of buying a permanent home in Southern Spain. One of the pre-requisites for the mortgage approval is the supply of an Experian credit report from both of us.
    Neither of us has a UK address, nor a U.K. Bank account nor any link fiscally whatsoever to the UK. How can we satisfy the lenders requirements since we’ve been out of the country for so long?
    Is it possible to access records from over 7 years ago? Would a credit report even be worthwhile given the time we have spent away?
    Thank you in advance for your response.

    Reply
    1. CreditExpert Neil

      Hi Nick, if all the accounts that you held were closed when you left the UK then it would be unlikely that we hold any account information for you. This is because we only hold information relating to closed accounts for six years after this time it is removed from your credit report. If you had any accounts that remained open for a while after leaving the UK then they may still be recorded on your report.
      You can still apply for a copy of your UK report after being out of the country for so long, and some information such as electoral roll details or linked addresses are still likely to be recorded, However to apply for your report from abroad we would need copies of documents linking you to both your previous UK address and current address before we can send the report. If you would like to apply for the report contact us and we can let you know the full details of documents we can accept. Kind regards Neil.

      Reply
      1. Nick Evans

        Thank you Neil. I’m not sure if I have any of the supporting documents anymore most likely I will have to do some digging!
        I appreciate your response.

        Reply
  14. Liz

    Hi. My wife has recently moved from Brazil to the uk and we are planning on purchasing a property together within the next 6 months. We are currently opening a joint bank account together. Is there anything else we need to do for her to build up a credit score, so we don’t have any stumbling blocks when applying for a mortgage together regarding credit history as she doesn’t currently have a credit score as just moved to the uk.

    Reply
    1. CreditExpert Neil

      Hi Liz, thanks for your question. Having a joint bank account is a good start as many current accounts are now sharing information with credit reference agencies. You may want to check with your bank to see if they are. More utility and mobile phone companies are also sharing account information with credit reference agencies, so having utility accounts and mobile phone accounts in your name can help to build a credit history. If your wife is not on the electoral roll she may also want to add a notice of correction to her report to explain this. More details of this here. I wish you and your wife all the best with your house hunting when you are ready to apply for a mortgage! Kind regards Neil

      Reply
  15. Faiza Khurram

    Dear Experian Support,

    I hope you can help me.

    I moved to the UK in February 2016 after getting married to a UK national. Having lived just little over a year I am unable to register to the Experian website as the form demands a ‘UK based addresses’ for 6 years.

    I have 2 current accounts and an ISA with separate banks as well as register to an electoral role. However, I got declined when I recently applied for a credit card, which I believe due to a short residency in the UK.

    Can you please help me registering to the Experian?

    Hoping to have your timely reply.

    Kind regards,
    Faiza Khurram

    Reply
    1. CreditExpert Stuart

      Hi Faiza,

      You are able to apply for a copy of your Experian Credit Report even if you haven’t lived in the United Kingdom for 6 years.

      We do ask for 6 years of address history to provide a more full account history of your credit in the UK however you should still be able to apply for this even with a limited address history.

      You can learn more about the options available to you here.

      Kind regards,
      Stuart

      Reply
  16. Kathryn

    Hi,

    I have been living in France for 3 years and will be returning to the UK this summer.
    I had an excellent credit report before leaving but it has subsequently dropped, although there have been no missed payments and I have made regular monthly money transfers between France and the U.K. What could cause this? No UK salary? We have 2 UK mortgages and a U.K. Bank account (though for paperwork the address for correspondence is French).

    How hard will it be to apply for finance once we return?
    Many thanks.

    Reply
    1. CreditExpert Joe

      Hi Kathryn, the UK Experian credit report is based on credit accounts in the UK only. Salary and monthly transfers between countries would not impact the credit report. If you are looking to improve your score, this guide contains tons of useful information. As for apply for finance, a lender will decide if to accept you or not based on their own lending criteria so this will vary. When applying for credit you may want to speak to the lender first and explain how you’ve been out the country to them to get a better understanding of if they will accept you or not.

      Joe

      Reply
  17. Emma Wreifors

    Hi

    I have now lived in the UK for 9 months

    I am on the electoral roll, I pay my phone bill every month from my debit card and I have a a bank account with TSB.

    I really want to start building my credit for real, but No were am i aloud to even apply for a credit card, not even credit builders cards seem to be available

    Do you have any tips.

    I have steady work and i pay everything in time.

    Reply
    1. CreditExpert Neil

      Hi Emma, it sounds like you are in a good position to start to build your credit history. Being on the electoral roll is a great start, as is having a current account and mobile phone account as these are now often appear on credit reports.
      Although we can’t give financial advice our CreditMatcher service can match you to products you are more likely to be accepted for based on the information on your Experian Credit Report. You can find out more about this service here. Kind regards Neil.

      Reply
      1. Emma Wreifors

        Hi the only problem with that is that I only lived in the UK for ) months.

        When i put in this your ( and may others) website i cant go any further. It want a second UK address which i have not got.

        I have had an address in Sweden ( lived there for 2 years)
        I also have an Address in Holland ( where i lived 2.5 years)

        Why are new immigrants discarded in this way, why the 3/ 6 years policies? I want to start building my credit score, I have a steady job and a decent income why should i be stopped like this?

        Reply
        1. CreditExpert Neil

          Hi Emma, I hope you are enjoying your time in the UK so far! We ask for six years of address history to ensure that all the information that we hold for a person appears on their report.

          We only hold information relating to UK addresses and so can only take UK address details. You can still apply for your report even if you have not been in the UK for six years, if you provide the address that have stayed at in the UK as your UK address for the last six years. You will then be able to proceed with the rest of the application.
          Kind regards
          Neil.

          Reply
  18. Tamara Levine

    Hi,

    I just moved to the UK in Nov of 2016, I have a basic current bank account and I have a full time job, how can I start to build my credit score, I am a non EU Citizen and my Husband is a British Citizen. Can you please give me a few tips to get me started?

    Thank you.
    Tamara.

    Reply
    1. CreditExpert Neil

      Hi Tamara, I hope you are enjoying your time in the UK! It sounds like you have already made a good start in building your credit history opening a current account. Check with your bank to see if they are sharing your current account information with credit reference agencies as many now do.
      Taking out a contract phone can also build a credit history as these will normally appear on a credit report. Some utility suppliers will also share information with credit reference agencies and can build a credit history.
      If you are not able to register to vote you can add a notice of correction to your report to explain this. More about how to do this here.
      Kind regards Neil.

      Reply
  19. Craig

    I have been out of the UK for almost 5 years. I just applied for the statutory report and used my last UK address. They said a PIN will be sent to that address but I don’t live there. How can I obtain the report without having a UK address?

    Many Thanks
    Craig

    Reply
  20. Mo

    Hi, would like to ask how I would go about getting a credit rating, have lived in Cyprus for 21 years and wish to return, my husband doesn’t want to leave, we are in Joint back accounts in the UK, and I would need credit rating to begin again, can you help please , thanking you Mo

    Reply
    1. CreditExpert Neil

      Hi Mo, thanks for getting in touch.
      If you do decide to move back to the UK then ensuring that your joint account is registered at the address you move to, and that the bank have authority to share the information with credit reference agencies, would be a good place to start in rebuilding your UK credit history.
      Registering on the electoral roll would be a good next step. Other information such as some utility bills and mobile phone accounts now show on credit reports as well, so these can all help with building your report history again.
      I certainly wish you all the best whether you decide to move back or stay!
      Kind regards
      Neil

      Reply
  21. Faraz

    Hi Experian help desk,

    I am already a member of experian, and i wanted to register my wife with experian. She was moved to UK in feb’13. And since that she was living with me, without registering to council. I wanted to know that once she registered herself to council tax and electrol roll, how long it takes to appear her credit history report to view score ?

    Regards
    Faraz

    Reply
    1. CreditExpert Neil

      Hi Faraz, it normally takes 6-8 weeks from registering on the electoral roll for it to appear on your credit report. Your wife would be able to apply for a copy of her Experian credit report before this and view the information that currently appears on her report. She can find out more about the different ways to apply for a report here. Kind regards Neil.

      Reply
  22. Alex

    Hello,

    I have had a job in the UK for the past three years, and UK-related services (UK salary, UK bank account, UK credit card, UK mobile phone). However, in the past year and a half I was deployed abroad for work so much that I don’t have a permanent address in the UK anymore (nor anywhere else).
    I can’t seem to get a credit report this way, and the credit score I got (giving UK employment address) was only fair in spite of a perfect payment history.

    How can I get my credit report and settle this?

    Thanks

    Reply
    1. CreditExpert Neil

      Hi Alex. If you are currently abroad you can still apply for your Experian credit report, however it will need to be posted to you and we will also need copies of documents to confirm your ID and linking you to your current and UK address along with the £2.00 fee for a statutory report.
      If you contact us with your details we will be able to confirm what documents we need.
      If you have few accounts active in the UK currently your Experian credit score may be lower than you may expect, as lenders like to be able to see active accounts that are being run well.
      Once you are back in the UK we would expect your score to start increasing again. Kind regards Neil.

      Reply
  23. Julie Kay

    Hi,
    I need some advise to give my friend.
    She has not lived in the uk for many years and her and her family now want to come back home to,settle.
    They do have a mortgage and own a flat in Edinburgh that they lease out. Will this give them some sort of rating? They haven’t got a fixed address yet so can’t so the Electerol is out at the moment. They are at their wits end now.

    Reply
    1. CreditExpert Neil

      Hi Julie, yes if they have a UK mortgage then that would be a good start for building their UK credit history. They would need to make sure that the mortgage account is registered at the UK address that they are currently using. Other information such as utility accounts, mobile phone contracts and current accounts can also build a credit history. Making sure all the accounts that they do have are registered at the address they are using when they apply will help the lender to see the information relates to them and their application is genuine. Kind regards Neil.

      Reply
  24. Robert James Parfett

    Hello,

    I am moving back to the UK this summer having lived in Spain for the last 19 years. Obviously my credit rating will be very low, but if I still have my Halifax and Barclays accounts open will that help? My partner is Spanish, but has worked in England before. Will she have a credit rating?

    Also to rent a house we are being asked for a credit rating and references. If we don’t have one does that mean we can’t rent?

    Many thanks

    Robert

    Reply
    1. CreditExpert Neil

      Hi Robert, welcome back to the UK!
      Certainly having a Halifax and Barclays account will be a good start to building a credit history. Your partner will be able to start building a credit history as soon as they are in the UK, registering on the electoral roll will be a good place to start, current accounts, utility bills and mobile contracts can also appear on a report and start to build a history.
      You can apply for a UK credit report while abroad, but we would need copy of documents linking to both your UK address and address abroad. To find out more about what we would need please email consumer.helpservice@uk.experian.com Kind regards Neil

      Reply
  25. Steve Turner

    Hi there,
    I am a UK expat who has been living in the USA since 2009 and I am looking to move back to the UK but to my knowledge have no accounts open there anymore. I do believe I have one that would have been closed in the last 5 years.

    Would it be possible to get access to my credit score/any open bank accounts etc (again I believe I closed them all but want to be sure)? I still have my NI number.

    Also, how difficult would it be to open an account to start to build my credit in the UK before I move back – can I even open an account that way?

    Thanks!

    Steve

    Reply
    1. CreditExpert Neil

      Hi Steve, it is possible to apply for a copy of your UK credit report while abroad, but we would need copies of documents that link you to your previous UK address and current address to do so. If you email us at consumer.helpservice@uk.experian.com we will be able to explain what you need to do to apply.
      We hold information on closed accounts for 6 years so if you closed accounts in the UK 5 years ago we may still have information related to it.
      In regard to opening accounts before you move back to the UK this would be up to the individual lenders themselves as to what they are prepared to do this.
      Kind regards Neil.

      Reply
  26. Deborah Lantieri

    I need a credit score for my mortgage application but I have only lived in the UK for 2 years and 8 months ….. I have tried to complete the Experian credit score but cannot move forward after the address part because I need three years. How can I get my credit score ? I previously lived in South Africa. I need this urgently as I am applying for a mortgage and the lender wants an Experian credit score ….. please help, not sure what to do.

    Thank you
    Kind regards
    Deborah

    Reply
    1. CreditExpert Neil

      Hi Deborah, thanks for your question. I’m glad to say you can still get your Experian Credit Score and report even if you haven’t lived in the UK for the last six years.
      We only ask for six years UK address history to make sure that all the relevant information that we hold for you is retrieved on your credit report.
      If you haven’t got six years address history in the UK you can just enter the UK addresses you have had for the six year period. This should then allow you to proceed with your application. Kind regards Neil.

      Reply
  27. Uncle

    Hey, who’s it goin?!

    I’ve just recently moved back to Northern Ireland after living in Southern Ireland for over 15 years.

    I’m in the process of trying to obtain a UK bank account, but my credit scrore / rating is most likely zero at the moment because I have had no financial footprint in the UK for all of those years away.

    Unfortunately (through my own fault), I have an outstanding Southern Irish bank overdraft that has been passed onto a Southern Irish registered debt collection company to retrieve payment of, or to discuss options of payment etc; of which I would be very much agreeable to, as I never intended & dont intend to default on my overdraft debt.

    My friend notified me yesterday that a letter arrived from this debt collection company stating the above & he also instructed me to remove his address from the debt colletion company asap.

    That’s most likely easier said than done, but my query is:

    This debt collection company operates in the UK also (it’s most likely a UK company that’s also registered in Southern Ireland) – so if I change my address with them – to my new Northern Irish address, will that in any way affect my credit score / rating in the UK, by which i also mean – would that Southern Irish bank overdraft debt be carried to the UK by me changing my old address with them, to my new Northern Irish address?

    As I mentioned, this debt collection company operates in the UK also, so my fear is, they will transfer their debt collection services for my debt to their UK branch – therefore carrying my debt to the UK & affecting my UK credit score / rating & preventing me from obtaining a UK bank account!

    I’m just really worried about this seriously affecting my credit score / rating & preventing me opening a bank account, which I so desperately need for work & life purposes.

    I would be so grateful if you could help me with my query please, or if you could point me in the direction of someone who might be able to.

    I look forward to your reply,

    Many kind regards.

    Reply
    1. CreditExpert Neil

      Hi Uncle, thanks for getting in touch. I hope that your move is going well!

      The good news is that even if the collection agency is based in the UK they would not be able to record a debt from outside of the UK on your UK credit report.
      If you are concerned about dealing with this debt you may want to speak to a free debt advice service such as http://www.stepchange.org. who would be able to help you. Kind regards Neil.

      Reply
      1. Uncle

        Neil – you’re an absolute star man, thank you.

        My move back to Northern Ireland was going great up until yesterday, but my mind is at ease now, thanks to you mate.

        I will kindly take up your advice & reach out to http://www.stepchange.org. also.

        Once again, thank you most kindly for your help with this.

        Take care & have a great weekend buddy.

        Cheers,

        Unc.

        Reply
  28. Schannel

    Hello

    I moved to the UK September 2015. I have read the previous responses given and tried entering my uk addresses over the 6 year period required to get the Experian account started so I can view my credit score.
    I have tried creating an experia account to view my credit score so as to know where I stand but it keeps declining. I’m unable to see if I have a credit score or what it is.
    It doesn’t give a reason for being unable to verify me.
    I have registered on the electoral role and has voted in the last election. I have a UK residence permit and a joint account with my husband(British citizen) and a personal account for over a year now. I have car insurance for which I pay monthly and according to them my info may be passed to credit agencies (so I thought that would mean my information is in the system)
    Can you advise me on what to do or who I can speak to?

    Reply
    1. CreditExpert Neil

      Hi Schannel, due to the sensitive nature of the information that we hold, you need to pass our strict security checks before we can provide access to CreditMatcher. I’m sorry if we have not been able to offer this service to you.
      You would still be able to apply for your credit report either as a one off report for £2.00 or the CreditExpert service. With these services if we are not able to confirm your ID we will be able to accept supporting documentation. You can find out more about these services here. Kind regards Neil.

      Reply
  29. Denton

    I’m an international student in the UK and am looking to get a credit card to build a credit history as I’m hoping to stay in the UK post uni. However, if I don’t manage to stay in the UK post uni but do make it back here at some point later in life (say, 5 years later), how will my credit history be affected as I’ll have been out of the UK for a while?

    Cheers

    Reply
    1. CreditExpert Neil

      Hi Denton, if you are out of the UK for a while then when you return you would need to start building your credit history up again. There may still be some old account information recorded though as we hold information on closed accounts for six years. If you return within six years then the old accounts would still appear on your report. If it is over six years then you would really be starting building it from scratch again. I certainly wish you all the best with you post Uni plans! Kind regards Neil.

      Reply
  30. Paul

    Hi. I worked with a UK company between 2011 and 2016. During this time I lived in various locations across the UK (Northern Ireland and London). All accommodation (and bills) were provided by and paid for by the company I worked for. During this time I had an account in Northern Ireland (Sterling account) with a Credit Card. As I had no firm address I retained the address on the account as my Republic of Ireland home address.

    When seeking a credit report now, what is the applicable address to use given any address I lived in in the UK was not in my name but rather the company I worked for. If I enter my Republic of Ireland address, i.e. the address on my accounts it will not accept. Thank you.

    Reply
    1. CreditExpert Stuart

      Hi Paul,

      If you are looking to view a copy of your Experian Credit Report in the UK, you would need to list the addresses where the accounts were listed. If your addresses were listed outside of the UK, then it’s’ possible that these accounts wouldn’t show on your Experian Credit Report.

      This is because the information is In terms of the address information on you have lived at and our UK Credit Report systems only accept information from within the UK for data protection purposes.

      If you want to obtain a copy of your UK Credit Report overseas, you can contact us and our team will be able to assist you with this. You can find our contact details available here.

      Kind regards,
      Stuart

      Reply
  31. Shane

    Hi.

    I’m currently living in Australia. After 9 years here I’m looking to move back to the UK.

    I’d like to check my credit history and I’m not sure how to go about this. I’m not on the electoral role and do not have any uk bank accounts.

    I look forward to hearing what my options are.

    Thanks

    Shane.

    Reply
    1. CreditExpert Neil

      Hi Shane, we hold information on closed accounts for six years and after that it is removed from your credit report. You mention that you don’t have any UK bank accounts and are not on the electoral roll so it is unlikely that there will be very much information, if any on your UK credit report.
      It is possible to get a copy of your UK credit report while abroad, but you would need to be able to provide copies of documents linking you to your UK address and current address to do this. If you would like to get a copy of your report email uksocialsupport@experian.com and we will be able to provide an application form and the full details of the copies of the documents we would need.
      Kind regards Neil.

      Reply
  32. Louise

    Hi,

    We’ve moved back to the country after 5 years abroad but still own a house in the UK – with a mortgage (which we have been renting out) and now renting elsewhere to live since moving back here. When applications ask for previous address history, do we put our previous UK address (ie the one we own and currently rented out) or our address abroad? You mention above to include your previous UK address but if it only asks for 3 year address history, I’m not sure which to put down.

    Thanks
    Louise

    Reply
    1. CreditExpert Neil

      Hi Louise, welcome back to the UK!
      We only hold information relating to UK addresses, so when applying for your Experian Credit Report you would only need to provide the addresses in the UK that you have used. Putting the details of the address you are renting will allow you to see any credit report information that has been recorded in your name at the address.

      If you are applying to a lender though then you may want to provide details of your addresses abroad, which will help a lender to understand any gaps in your credit history.

      Kind regards Neil.

      Reply
      1. Louise

        Thanks Neil. I guess I’ll put my Australian address down on this application and hope I don’t get refused credit for not having a UK address history! Could I not put the address of the property we own in the UK as my previous address as I believe until I recently changed it, this is where I was registered on the electoral roll? Moving overseas for a period does complicate things!
        Thanks

        Reply
  33. Jatin

    Hi, I have moved to UK from India first time. I have been here for around 3 weeks now. To rent the property through estate agents – they ask for referencing fees. In one of the case that agent is asking around £120 per person so it will cost me £240 for me and my spouse.
    but that agent also mentioned I may not be refundable if I do not pass the referencing as I will not have any credit score for this country.

    I dont understand if i dont have history here why credit check is required. Please suggest how to handle this situation.

    Reply
    1. CreditExpert Neil

      Hi Jatin, if a landlord performs a background check they would not see your full credit report. They will only see any public record information about you on your Experian Credit Report.
      It would be up to the landlord as to what checks they want to perform and any deposit they ask for. It may be worth speaking to your local Citizens Advice Bureau if you have concerns about any hidden fees that they may charge.
      Kind regards Neil

      Reply
  34. Hubert

    Dear Experian experts,

    I have recently made a purchase in the UK from a company based in Germany on a repayment plan. The product that was sold to me was not up to scratch and turned out to be heavily overpriced. I tried contacting the company but they would not accept a return. If I send the item back to them and cancel my debit card (instalments come out of my debit card along with the overseas transaction charge monthly) will it affect my credit rating? Can a defaulted transaction from the EU or any other country affect a UK credit score? Can they sell this debt to a UK based debt collector who would then mark my credit score and is it legally enforcable in the UK? Kind regards

    Reply
    1. CreditExpert Neil

      Hi Hubert. This debt could only appear on your credit report if the company in Germany were successful in getting a UK County Court Judgment recorded against you. The judgment would then appear on your credit report. The debt could be sold to a UK debt collection agency who could pursue you for it, but the collection agency would not be able to record it on your UK credit report.
      It would probably be worth speaking to your local Citizens Advice Bureau to find out what your rights are in this situation.
      Kind regards
      Neil

      Reply

Leave a Reply to Henrik Cancel reply

Your email address will not be published. Required fields are marked *

Current day month ye@r *