monthly outgoings

[GaryFifer]

Hi I am just learning more this, and I am curious. Do they check your credit rating?Is this taken into consideration?

[Pepe n Pilar]

Hi I am just learning more this, and I am curious. Do they check your credit rating?Is this taken into consideration?

Hi Gary&Jessica,

I don't think the Home Office have any interest in your credit rating, as long as the past six months bank statements show that there is sufficient income to support you and your fiancee, without any recourse to state benefits. There are lots of well-off people who have a poor credit rating because of missed bills or county court judgements against them in the past. It would probably be illegal for the Home Office to make decisions based on this - also credit searches are expensive and they hate spending money unnecessarily.
Cheers!

[joebloggs]

Do they check your credit rating?Is this taken into consideration?

no i don't think they do, but maybe they should, then they will know what loans and debts you have, and give the case worker a better idea if you can support yourself, never mind your wife

[tony rome]

thanks for the replys.

my issue is the last 3 months ive been kind of living it up and so my statements aren't a reflection of the amount i could live on if i budget. and before that i was living abroad.

if i do an expenses breakdown of only my 'necessary' monthly outgoings it wont look like any of my statements.

it should be ok though because Ive got plenty of savings. and i havnt spent more that ive earnt each month. its just that i havn't saved the amount ive worked out as 'disposible' with which to support my fiancee either. if that makes sense.

so i was wondering if this is something i should explain in my letter?

any thoughts?

thanks.

[joebloggs]

there is no fixed amount that you need a week or a month to support your partner, but coming from appeal cases, some judges have mentioned as a guide the minimum of around a £100wk after you've paid your rent and community charge (basically what you would get claiming basic job seekers allowence - a figure used by the gov for someone to 'survive on') so some judges use that as a minimum guide, as the gov dont give a minimum figure.

but you want your disposible income to look as good as possible, so you will have to mention all the D/Ds on your bank statements and try to make your figure realistic without going over the top making it look like your saving 90% of your wage every month , so why haven't you got £10k in savings