I have been advised that financial products that have a link to a bank eg Barclaycard and Barclays are able to access the bank funds to clear debts; therefore I have had to move money to a basic bank account whilst I sort out my fiances. I am attempting to create a personal budget sheet for creditors based on a very low income but I am concerned about the small amount of 'rainy day' money I have banked. If a credit report were requested would they have access to my bank accounts and funds available in it.
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