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Can a bad credit history affect UK indefinite leave to remain and Passport attainment process?

I have bad credit history and I am also planning to apply for my indefinite leave to remain in the UK. Can bad credit history affect your visa extention or create problems in getting the uk passport at a later stage? How far credit history is linked to the visa process and requirements? Are their any new rule and regulations? Would appreciate all kinda info on it.

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2 Responses to “Can a bad credit history affect UK indefinite leave to remain and Passport attainment process?”

  1. Maggie said :

    No it won’t affect the ILR process.

    At the moment ILR is linked to residency: two years married to a UK citizen, five years for everyone else or immediately if you have been married for four or more years and lived together outside the UK. Children of people who are citizens or who have ILR also get it immediately.

    For the citizenship process, you must have held ILR for a year, unless you are the spouse of a UK citizen in which case you must just have ILR before applying. There is the requirement to pass the Life in the UK test, which is being moved forward to the ILR stage from this April and to demonstrate your knowledge of English.

    In addition you must be of good character i.e. have no outstanding convictions that have not become spent under the Rehabilitation of Offenders Act 1974. You must also not have any pending police action against you at the time of applying or anytime up until you are granted citizenship. You must also detail any civil actions that have been brought against you.

    On the finance side you must prove that you have been paying tax and National Insurance or provide a Self Assessment Statement of Account with your application. If you have been declared bankrupt you must provide details of this with your application and if you are an undischarged bankrupt, you are unlikely to success in your application for citizenship.

  2. Jon said :

    No this will not affect your UK passport process at all. You will still be liable when you are getting a loan or anything else like that since you have a bad credit but while you are getting a UK passport and visa this will not affect anything at all.

    Good Luck


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