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Credit Report
Posted: Mon Jan 30, 2012 1:32 pm
by friend12345
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.
Re: Credit Report
Posted: Mon Jan 30, 2012 1:34 pm
by friend12345
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.
Posted: Mon Jan 30, 2012 2:22 pm
by vinaya
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.
Posted: Mon Jan 30, 2012 2:32 pm
by friend12345
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
Posted: Mon Jan 30, 2012 6:30 pm
by linkers
As long as you start making payments to debt collector agencies (then they will not take it to court), and you will be fine.
Posted: Mon Jan 30, 2012 9:43 pm
by angelloveguy
mate if you have NO CCJ on your file then you are OK and you don't need to mention it in your file....
Posted: Mon Jan 30, 2012 10:59 pm
by friend12345
Thanks for help everyone!!!
Posted: Wed Feb 01, 2012 9:19 pm
by batp1
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.