Uk Credit Check

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Credit Definition

–noun
1. commendation or honor given for some action, quality, etc.: Give credit where it is due.
2. a source of pride or honor: You are a credit to your school.
3. the ascription or acknowledgment of something as due or properly attributable to a person, institution, etc.: She got a screen credit for photography.
4. trustworthiness; credibility: a witness of credit.
5. confidence in a purchaser's ability and intention to pay, displayed by entrusting the buyer with goods or services without immediate payment.
6. reputation of solvency and probity, entitling a person to be trusted in buying or borrowing: Your credit is good.
7. influence or authority resulting from the confidence of others or from one's reputation.
8. time allowed for payment for goods or services obtained on trust: 90 days' credit.
9. repute; reputation; esteem.
10. a sum of money due to a person; anything valuable standing on the credit side of an account: He has an outstanding credit of $50.
11. Education.
a. official acceptance and recording of the work completed by a student in a particular course of study.
b. a credit hour.
12. Bookkeeping.
a. an entry of payment or value received on an account.
b. the right-hand side of an account on which such entries are made (opposed to debit ).
c. an entry, or the total shown, on the credit side.
13. any deposit or sum of money against which a person may draw.
–verb (used with object)
14. to believe; put confidence in; trust; have faith in.
15. to bring honor, esteem, etc., to; reflect well upon.
16. Bookkeeping. to enter upon the credit side of an account; give credit for or to.
17. Education. to award educational credits to (often fol. by with): They credited me with three hours in history.
—Verb phrase
18. credit to or with, to ascribe to a (thing, person, etc.): In former times many herbs were credited with healing powers.
19. do someone credit, to be a source of honor or distinction for someone. Also, do credit to someone.
20. on credit, by deferred payment: Everything they have was bought on credit.
21. to one's credit, deserving of praise or recognition; admirable: It is to his credit that he freely admitted his guilt.

From Dictionary

Check Definition

–verb (used with object)
1. to stop or arrest the motion of suddenly or forcibly: He checked the horse at the edge of the cliff.
2. to restrain; hold in restraint or control: They built a high wall to check the tides.
3. to cause a reduction, as in rate or intensity; diminish: The new measures checked the rapidity with which the epidemic was spreading.
4. to investigate or verify as to correctness: She checked the copy against the original.
5. to make an inquiry into, search through, etc.: We checked the files, but the letter was missing.
6. to inspect or test the performance, condition, safety, etc., of (something): Check a used car thoroughly before buying it.
7. to mark (something) so as to indicate examination, correctness, preference, etc. (often fol. by off): Please check the correct answer. They checked off the names of people they wanted to invite.
8. to leave in temporary custody: Check your umbrellas at the door.
9. to accept for temporary custody: We accept responsibility for any article we check here.
10. to send (baggage) on a passenger's ticket, usually on the same carrier used by the passenger, for pickup at the destination: We checked two trunks through to Portland.
11. to accept (baggage) for conveyance, and to convey, under the privilege of a passenger's ticket: Check this trunk to Portland.
12. to mark with or in a pattern of squares: to check fabric.
13. Agriculture. to plant in checkrows.
14. Chess. to place (an opponent's king) under direct attack.
15. Ice Hockey. to obstruct or impede the movement or prog e29 ress of (an opponent). Compare back-check, fore-check.
–verb (used without object)
16. to prove to be right; correspond accurately: The reprint checks with the original, item for item.
17. to make an inquiry, investigation, etc., as for verification (often fol. by up, into, etc.): He checked to make sure his answer was correct. Check into the matter.
18. to make a sudden stop; pause: The horse checked before he jumped.
19. Chess. to make a move that puts the opponent's king under direct attack.
20. to crack or split, usually in small checks: Painted surfaces may check with age.
21. Poker. to decline to initiate the betting in a betting round, usually to force another player to make the first bet rather than raise it.
22. Hunting. (of hounds) to stop, esp. because the line of scent has been lost.
23. Falconry. (of a hawk) to forsake the proper prey and follow baser game (fol. by at).
–noun
24. Also, British, cheque. Banking. a written order, usually on a standard printed form, directing a bank to pay money.
25. a slip or ticket showing the amount owed, esp. a bill for food or beverages consumed.
26. a ticket or token that when matched with a counterpart identifies an article left in the temporary custody of another, the purchaser of a ticket, a person who is to be served next, etc.
27. a criterion, standard, or means to insure against error, fraud, etc.: This handmade sample is a check that the machine-made samples have to match.
28. an inquiry, search, or examination: We made a quick check but found nothing missing.
29. Also called check mark. a mark, often indicated by (), as on a list, to indicate that something has been considered, acted upon, or approved.
30. a person or thing that stops, limits, slows, or restrains: The increase of duty was an effective check on imports. He was a check on her enthusiasm.
31. a sudden arrest or stoppage; repulse; rebuff: Taxation caused a check in the accumulation of vast fortunes.
32. a control, test, or inspection that ascertains performance or prevents error: They ran a check on the dependability of the automobile.
33. a pattern formed of squares, as on a checkerboard.
34. one of the squares in such a pattern.
35. a fabric having a check pattern.
36. Chess. the exposure of the king to direct attack: The king was in check.
37. Ice Hockey. any of several maneuvers designed to obstruct or impede the forward progress of an opponent. Compare board check, body check, cross-check (def. 5), hook check, poke check, sweep check.
38. a counter used in card games, as the chip in poker.
39. a small crack: There were several checks in the paint.
40. an egg, designated for market, having a slightly cracked shell and an intact inner membrane.
41. Masonry. a rabbet-shaped cutting on the edge of a stone, by which it is fitted to another stone.
42. Hunting.
a. the losing of the scent by a dog or pack.
b. (in fox hunting) a period in a hunt, following the losing of the scent by the hounds, during which the field rests quietly while the hounds cast to regain the scent.
–adjective
43. serving to check, control, verify, etc.: a check system.
44. ornamented with a checkered pattern; checkered: a check border.
–interjection
45. Chess. (used as a call to warn one's opponent that his or her king is exposed to direct attack, having just one move in which to escape or parry.)
46. Informal. all right! agreed!
47. check in, to register, as at a hotel; indicate one's arrival or presence at a place, function, etc., usually by signing an appropriate form: We checked in at the reception desk.
48. check on or up on, to investigate, scrutinize, or inspect: Don't forget to check on his work. We have to check up on him.
49. check out,
a. to vacate and pay for one's quarters at a hotel.
b. to verify or become verified; examine or investigate.
c. to fulfill requirements, as by passing a test: The engine checked out and we proceeded on our way.
d. to itemize, total the cost of, and collect payment for (a purchase): The supermarket cashier was exhausted from checking out groceries all day long.
e. to have the cost added up and pay for merchandise.
f. to borrow (an item) by having it listed as one's temporary responsibility: The adding machine was checked out in your name.
g. Informal. to depart quickly or abruptly; leave in a hurry.
h. Slang. to die.
50. check over, to examine or investigate, esp. thoroughly.
51. check the helm, Nautical. to alter the helm of a turning vessel to keep the bow from swinging too far or too rapidly.
52. in check, under restraint: He held his anger in check.

From Dictionary

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    Any lawyers here who can advise me without a fee? you see, i visited my sister in the US recently. during my visit, i ran out of my medicine for asthma. so we went online and found this pharmacy in the UK. They completed our transaction and charged my sister's credit card. Before we even completed the deal, we checked their return policy which said they would issue a refund if we are not completely satisfied with our order. Later on, they sent the wrong medication. So we asked for a refund. We're talking about more than 20+ emails back and forth. They kept promising, but the refund never came. We are talking about a small amount of $200, but my sister is just an ordinary employee in a small firm. She was recently affected by recession, so she's jobless now. All we want is a refund of our money. Clearly, the company is trying to avoid issuing the refund. Is there anyone who can help us draft a letter (written with all the legal terms, etc.) of complaint, and just to "threaten" the pharmacy that if they dont issue a refund, we would take the necessary legal action against them? Just a letter of complaint, please? We cannot possibly afford to pay a lawyer to do that, so if there's any kind-hearted soul here, we would appreciate that a lot. Thanks, and take care!
  • Resolved Question: Skype phone problems?
    Here is what I have done so far -Installed skype and registered a user name -bought £10 skype credit -installed software that came with the skype usb phone -installed the phone itself I have made calls on skype to mobiles and land lines within the UK and it all works fine. When I try and call a land line in the US the other person cant hear me. Any suggestions? Ive already tried everything on the Skype site to do with not being able to hear sound and have to my knowledge checked all my audio settings. It only seems to happen with US calls. Bizzare.
  • Resolved Question: Credit check for a job?
    I have applied for a job at a UK bank, i have been offered the job subject to a credit check, i have a bad credit score but this is only as i have applied for several credit accounts recently and not got it. what will they be looking for? But all my payments are on time, i have a savings account with quite abit of money in it and manage my money well, i just have a enquirys about my credit report that bring it down. will they just get the score or will they do research into what debts you have etc
  • Voting Question: i have bad credit here in the uk, but i want to go live with my boyfriend?
    i have a bad credit past...... now hear i have to send a police check will this effect me when i apply for my fiance visa to live in the USA or should i give up ???.... i dont know what to do as id love to move over and be with my other half......... or can he sponcer me to go over i need help help help is there a way around the bad credit. it has now come back to haunt me
  • Resolved Question: Ligit no credit check loans?? (UK)?
    I am looking for a ligit no credit check loan, I have been looking around but they all seem to be dodgy. Thanks
  • Resolved Question: How is this answer "Solicitation"?
    Question Responded to: Do you really know who is responsible for the financial crisis? Question Details: Pay attention now and watch the whole thing. These are facts you can check. http://uk.youtube.com/watch?v=NU6fuFrdCJY The name of the video is :Burning down the house,what really caused our financial crisis I know there is enough blame to spread around but why are the dems not taking theirs? And why have the facts not been published by the media? Other than their agenda. thoughts please? to the people who did not read the part that there is enough blame to spread around, Again I say why are the dems NOT taking theirs? Pelosi, Reid and the rest of the Dems are pointing fingers but not at themselves, why? Gabriel.. You proved my point, dems pointing the finger at everyone else. I did not see many reps on the fannie or freddie donation lists. Also who is now heavily involved in Obama's campaign? Again WHY ARE DEMS POINTING AT EVERYONE ELSE THEY ARE IN AS DEEP IF NOT DEEPER. And if you can not see that well keep drinking. MY Deleted Answer: That is a great video...and truthful This explains the crisis.. FactCheck.org - powered by the Annenberg Public Policy Center of the University of Pennsylvania, this site is nonpartisan, nonprofit, and aims to reduce the level of deception and confusion in U.S. politics. It accepts no funding from corporations, unions, political parties, lobbying organizations or individuals. And I wish we would eliminate CRA..and social programs gone wrong. The credit adjustments...made were in good faith...people just got greedy..and took out house loans..beyond their means. You cannot stop stupidity..but you do not have to underwrite it.. You can encourage sound lending practices... Again, how is this answer (from another yahoo person) solicitation?
  • Resolved Question: How can I open a bank account in the UK without credit history?
    Hello! When I arrived in the UK, my company helped me to open a bank account. However, I am not fully satisfied as they do not pay interest on the money hold on my current account and they make me pay a lot to use my money abroad. I have caculated that with some other current account in other banks I could have gained/saved from 400 to 1000£ in one year! My problem is that I cannot open a current account in those banks without a credit check. As I have only been in the UK for 15 months, I do not have enough credit history and I fail every credit check... So do I have to wait 2 more years before being able to switch of bank account? Thank you for your help.
  • Voting Question: Check your Bank Statement (Shoppers Discount) scam?
    Hi guys, i just realised last night that £8.00 was being taken out off my credit card every single month for 11 months, shame on me for not noticing. But now that i have, i want people to be aware - i can GUARANTEE atleast half of the people that will read this will also have this same problem. Theres no harm checking your account for the transaction - Shop.disc 08082341539. Just check it. Im interested in knowing how many of you have it. Mine got done aparently from when we ordered flowers from Interflora - they gave my details to 3rd party companiy. The following big names are also involded, check them if you think im lying - B&Q Interflora Superdrug Expedia LASTMINUTE.COM ASDA O2.... and many more their web site is - https://www.shopperdiscountsandrewards.co.uk/Home/Default.rails
  • Resolved Question: Rental process in London?
    I am looking to rent in London. I am a UK citizen but I want some info about the rental process. I heard that they do credit checks? My credit is very bad eg CCJ and default. Will this prevent me from renting? What are the referees and references that they require? Thanks for your help. Thanks for your answer. In my situation the only place I have lived before was with my parents (where I am living now). What would you suggest in this situation?
  • Resolved Question: Landlords/Tenants (UK) Is this right?
    Im moving into a new flat in December, and my landlord (a company) has asked for a month in advance and a months deposit, which is fair enough, but they have also asked me for a £60 for a credit check, £60 for 'legal fees' and at the bottom of the application it said a further £100 on top of the first months rent! This adds up to an extra £220!! Is this right, can they do this? What can I do? Serious answers only please. Thanks And I haven't signed anything yet no.
  • Resolved Question: Landlords/tenants, (UK) does this sound right?
    Im moving into a new flat in December, and my landlord (a company) has asked for a month in advance and a months deposit, which is fair enough, but they have also asked me for a £60 for a credit check, £60 for 'legal fees' and at the bottom of the application it said a further £100 on top of the first months rent! This adds up to an extra £220!! Is this right, can they do this? What can I do? Serious answers only please.
  • Resolved Question: What companies are there like Brighthouse (UK)?
    Due to messing up my credit file when I was younger I can't get credit anywhere. Trouble is I am moving into my own flat in a few weeks and need to get some appliances for it. However, I don't have the money to shell out in one go like that. I was wondering what companies there are like Brighthouse that I could go to for them where they won't do a credit check? Or even an appliance rental place (for example Boxclever)? I don't really want to approach Brighthouse if I don't have to!
  • Resolved Question: I received an email clearly intended for fraudulent purposes. Who should I alert?
    Judge for yourselves, is this creepy or what?: Flag this messageUrgent (Please Respond Swiftly)Wednesday, October 8, 2008 9:22 PM From: "James Gordon" Add sender to Contacts To: undisclosed-recipientsHello, Are you a property owner in the United States? Do you have an existing home equity line of credit or personal/business with any US/CANADIAN Bank? I am Mr. James Gordon from James Gordon Designs London, UK. I write to solicit your assistance in working with me as my Payment Officer who can help me establish a medium of getting across to my customers in USA and CANADA as well as making wire transfers to you on my behalf. I made and Export furniture into Canada, America/Europe and have Clients who make bulk transfer of funds and due to large sum of money involved, they prefer making the transfers into an Equity Line of Credit account. If interested do get back to us with your details below and we will do furnish you with more details. You will be allotted 5-7% of total amount wired into your account. PERSONAL INVESTMENT FUNDING APPLICATION FORM First Name: Last Name: Address: City: State: Zip Code: ***Mark "x" in the bracket below** Own a House ( ) Rent ( ) Home Tel: Mobile: Email. Social Security #. Occupation: Date of Birth: Investment Amount: Duration: 30 days ( ) 60days ( ) 90 days ( ) Above 90 days { } **Mark "x" in the bracket below** 1. Are you a property owner in the United States Yes ( ) No ( ) 2. Do you have an existing home equity line of credit or personal/business with any tire One US Bank? Note: Credit cards, mortgage loans, checking accounts are not accepted. Yes ( ) No ( ) 3. Provide line of Credit / home equity account number: 4. What is the credit limit on your line of Credit / home equity account USD$ 5. What is balance presently owed on your line of Credit/ home equity USD$. 6. What financial institution is your line of Credit / home equity with? 7. What are the address and 1800 number of your financial institution? I hereby authorize the investor to verify the above information for investment decision. I certify that the information is true and to the best of my knowledge. Applicant’s Signature Date ************************IMPORTANT NOTICE*********************** This form must be returned with the following: * A copy of beneficiary's identification (Drivers License or International Passport) will be required. This is an investment program that offers 100% funding upon approval. This program is not a loan program and has no direct liabilities to the beneficiary. James Gordon 29 Niton Street, London, SW6 6NH. http://www.timwood.com
  • Resolved Question: HOw can i buy a laptop paying monthly?
    Hi all How can I arrange to buy a laptop (UK LOndon based) paying on monthly basis but without the need of teh company to check my credit in a bank? Thanx
  • Resolved Question: Stolen identity. Will I be made responsible for consequences?
    Dear all, I was living in the UK until Feb 2008 since 2003. I moved to the USA permanently in Feb 2008. At the time of leaving UK, I had 10 cents in a bank account (I left the 10 cents so that the account wont be closed). There was no overdraft facility for that bank account. 3 months after leaving the UK, some one has stolen my identity and have managed to withdraw £5500 from an account that had 10 cents in it. My credit card had received a £2500 cheque from some Irish bank account, £2500 withdrawn, then the check bounced. I was worried and called up the banks. They didn't respond well. All this happened in less than a month. I already have a ticket booked to my home country 3 months ago via London (BA) with a connection flight in Heathrow (Both flights from same terminal with 3 hour connection time in between). I am not planning to leave the terminal. As I am going for marriage, I am worried whether some one at Heathrow might stop me for investigation and further arrest me for some thing that I have not done. I am not sure if whatever happened to me can be registered as a criminal offence. Please advice me so that I will book through a different airways. Thanks in advance
  • Resolved Question: Credit Checks/Rating in Dubai?
    I'm thinking of moving to Dubai. I have a pretty poor credit history in the UK from a while back but am in a good job now (and will have a similar job in Dubai) where I can easily afford to repay loans/cards etc but it takes a while to make amens here. I'm worried that if I move to Dubai, I may not get some of the help I need initially to cover expenses etc if they check my UK history. Does anybody have any information on Credit Checks in Dubai and whether they take into account previous debts/problems in the UK? The main reasons for bad rating is missing payments, direct debits etc but I've never defaulted or had anything issued against me, just a few slaps and a bad rating. Thanks.
  • Resolved Question: Renting and reference checks in the UK?
    I've just been to view a house that I really like and I would love to move in. The problem I have is that the estate agent who is renting out the property wants to do a reference check and credit check. I am living with my parents at the moment so I don't have any previous landlords to give references. She said this will not be a problem but she will still do a credit check. I'm worried that I won't be able to rent the house if I don't have a good credit history. I have two different debts which are £762 and £820 and when I lost my job a few years ago I couldn't afford to pay them. One was a bank overdraft and the other was credit from a catalogue. I'm currently trying to pay off these debts with weekly payments but will these go against my name when trying to rent a house. At the moment I am unemployed and I will be studying for 4 years training to be a midwife so I am claiming housing benefit at the moment because I have a little boy and we need a place to live as my parents house is overcrowded. I have applied with all the housing associations and local councils but I don't know when I will get a house and we need to move out now. How much emphasis will they put on a credit check if they know rent will be going straight to them from the DSS. They said they are happy with DSS payments and it is no problem so why the credit check?
  • Resolved Question: (UK) hi I need to get a free mobile phone on contract but have an awful credit rating - how can I get one?
    I live in the UK and have had no luck with any of the major phone networks and am looking to get a new mobile phone on contract. Are there any companies that don't do a credit check? Thanks
  • Voting Question: can you get paid online?
    Hi ok i REALLY need to make some money and for circumstances im house bound for a while and i got this email about getting paid to do surverys online, i know that one was a scam but please could any1 te me which one is real? i need one that pays in the uk, pounds not dollars and i dont have a credit card or paypal account so one that pays checks? If anyone could give me a site thats legit , pays in checks and pays british money it would really save me! thanks you
  • Resolved Question: £200 deposit from o2. Is it rational? How to decrease it?
    Dear all, I wanted to subscribe with o2 at their Simplicity plan. The credit check was perfect, however they asked me a £200 deposit since I am in the UK for approx. 6 months. Is there a way to decrease this amount? What about changing the branch? Is this amount rational for a £15/month plan? Thank you in advance.
  • Resolved Question: For Yahoo email users; have any of you received this email regarding a credit card statement ?
    Flag this message Credit card account statement Thursday, 18 September, 2008 1:23 PM From: "Judy Gregg" To: mysamsia@yahoo.co.uk Message contains attachments Statement.zip (24KB) Dear Valued Customer: ID: mysamsia As requested, we are sending you this account statement with information on the transactions carried out with your credit card between 1/1/2008 and 8/1/2008. Please find the account statement with the detailed list of the transactions attached to this message. You can view the document or print it out by simply saving the attached file to disk and opening it for viewing. Please let us know if we can be of any further assistance. At your service, Judy Gregg Manager of Visa / MasterCard Credit Card Services This looks extremely dodgy because not only does the recipient email does not mach my email address (I won't include this for obvious reasons) but I do not have a Mastercard or a Visa card and when I clicked on the attaching file a warning showed up to say it was a virus. I just wanted to check with other users in case some dirty bugger has got a card in my name or this email is just a way of getting people's email addresses and personal info. I have emailed mastercard and visa to inform them about it so they can alert their customers. I've got the full version of F-secure and it's really reliable Fruit of the loom guy.
  • Resolved Question: mortgage help please 10 points best answer?
    me and my partner are thinking of getting a mortgage but we don't have a deposit to put down and we don't have excellent credit history. i was wondering if there is such thing as a 100% mortgage and if they are easy to get and what checks are done etc please help 10 points best answer by the way i am in the uk
  • Voting Question: UK: Bought an iPhone 3G and there's a £1.58 charge to iTunes already?
    O2 tell me that while the Carphone Warehouse have taken £1.00 for their credit check, that when you register with iTunes that Apple also do a crecit check and that that's what the £1.58 is for - is this true? Okay, so is the fee for the Apple credit check refundable then?
  • Resolved Question: What will happen with my friend if she leaves USA with credit card debts?
    Is she going to have problems living in Britain? Do the banks here check your credit situation outside UK?
  • Resolved Question: What is a financial check for Police Recruitment (UK)?
    I have checked my credit report and can anyone tell me if the following will affect my chances of passing the financial check, and also what is included in it: 1. Lenders searched me for the purpose of 'credit application' and 'money laundering' (looked bad at first when I saw it! but realised the organisation has performed this search on my background) 2. An unused account with a nil balance but which still states 'oerdue payment' (assuming this means money 'should' be put in monthly) Thank you
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