Quote Originally Posted by porky View Post
I really appreciate your replies, but , with respect , what I really need to know for definite, is , Does the ECO at any stage of any future visas , do credit checks , If so this would show me to have defaults on credit rating and show that i am unable to pay bank interest , this would surely have a bearing on my ability to support my fiance or wife and would set our plans back 6 years notwithstanding a failed visa applicatioI would be grateful for any help in this matter

NO THEY DO NOT DO CREDIT CHECKS nor CHECK HOW MUCH LOAN YOU HAVE...
THEY ARE JUST INTERESTED OF WHAT IS IN YOUR CURRENT/SAVINGS ACCOUNT (6 mos latest statements)