Is there a European database for credit history?
Anything is possible, but it is extremely unlikely. They will use their own data (their experience with you in regard to any accounts you hold with them), the information that you give them (e.g. age, marital status, occupation, time in job, bank, time with bank, income, outgoings) plus credit reference bureau information and possibly a score provided by the bureau(x). In terms of bureau information, what they want to see is that you are stable, able and willing to pay. That means that an absence of information from the bureau is bad; so is information that you have defaulted (note that defaults relating to loans in other countries will not normally appear on UK bureau records) What they want to see is reports of commitments you have complied with – like credit card and loan accounts that have been kept up to date. Multiple recent searches by other lenders will reduce your bureau score, so don’t make too many speculative applications. The bureau check will also help to confirm your add
