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Credit Report

Only for queries regarding Indefinite Leave to Remain (ILR). Please use the EU Settlement Scheme forum for queries about settled status under Appendix EU

Moderators: Casa, Amber, archigabe, batleykhan, ca.funke, ChetanOjha, EUsmileWEallsmile, JAJ, John, Obie, push, geriatrix, vinny, CR001, zimba, meself2

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friend12345
Member
Posts: 128
Joined: Thu Jan 12, 2012 10:39 am
Location: Newcastle upon Tyne

Credit Report

Post by friend12345 » Mon Jan 30, 2012 1:32 pm

Hi Guys!

I recieved me credit report today and on that report under account information it says I have 2 negatives on it, one of them is settled, other is pending and I am making monthly payments.
Can anyone suggest if this will effect my ILR application I am due to apply on 24th Feb at Glasgow PEO.

Thanks in advance.
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friend12345
Member
Posts: 128
Joined: Thu Jan 12, 2012 10:39 am
Location: Newcastle upon Tyne

Re: Credit Report

Post by friend12345 » Mon Jan 30, 2012 1:34 pm

friend12345 wrote:Hi Guys!

I recieved me credit report today and on that report under account information it says I have 2 negatives on it, one of them is settled, other is pending and I am making monthly payments.
Can anyone suggest if this will effect my ILR application I am due to apply on 24th Feb at Glasgow PEO.

Thanks in advance.
Just to add on the negative one the status is showing Default.
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vinaya
Junior Member
Posts: 91
Joined: Wed Apr 20, 2011 11:17 am

Post by vinaya » Mon Jan 30, 2012 2:22 pm

As far as I know, your credit history and payments you have defaulted will not affect your ILR application, unless you have any court judgements against you for unpaid debts.
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friend12345
Member
Posts: 128
Joined: Thu Jan 12, 2012 10:39 am
Location: Newcastle upon Tyne

Post by friend12345 » Mon Jan 30, 2012 2:32 pm

vinaya wrote:As far as I know, your credit history and payments you have defaulted will not affect your ILR application, unless you have any court judgements against you for unpaid debts.
Thanks Vinaya, I dont think I have any court judgements againt that, as I am paying it off monthly via debt collecting agency. And the only letters I got was from debt collecting agency never had anything from court etc.

Thanks for help
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linkers
Respected Guru
Posts: 1306
Joined: Fri Dec 30, 2011 10:55 am

Post by linkers » Mon Jan 30, 2012 6:30 pm

As long as you start making payments to debt collector agencies (then they will not take it to court), and you will be fine.
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angelloveguy
Member
Posts: 147
Joined: Wed Feb 24, 2010 2:41 am

Post by angelloveguy » Mon Jan 30, 2012 9:43 pm

mate if you have NO CCJ on your file then you are OK and you don't need to mention it in your file....
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friend12345
Member
Posts: 128
Joined: Thu Jan 12, 2012 10:39 am
Location: Newcastle upon Tyne

Post by friend12345 » Mon Jan 30, 2012 10:59 pm

Thanks for help everyone!!! :)
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batp1
Newly Registered
Posts: 16
Joined: Tue Jan 05, 2010 1:06 am

Post by batp1 » Wed Feb 01, 2012 9:19 pm

Even if you had CCJs, this would not normally affect your application, provided you have this fully declared when applying for ILR and you have a clear payment plan in place for the debts.
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