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    Credit reference reports and bank accounts

    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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    Banned

    my credit reports shows my one bank account, the royal bank of scotland, but doesn't show its balance, just the history of account ie- whether in credit, overdrawn, etc
    Edited by: "sassie" 10th Aug 2010

    If you have a credit card with say Lloyds TSB and you have a bank account with them aswell, they can move funds from your account to pay your credit card bill. Is that what you mean?
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