Thanks very much for the quick reply and putting my mind to rest

Hi, I was wondering if someone could help!

I took out a contract with Vodafone in Feb 2010. In Sept 2010 I moved to The Netherlands for a year. Once I had got to The Netherlands I saw the direct debit for my contract had stopped going out of my account, I have no idea why as I did not instruct the bank or Vodafone to do this. As a 21 year old student enjoying life in The Netherlands the last thing on my mind was to resolve this over a sim card I wasn't using which I now regret.

Get home this September and a month later Lowells (who seem infamous) write demanding £312 for a debt with Vodafone.This was to my parents house in Edinburgh and not my one in Aberdeen. Checked my credit rating and I have a lovely default on my history.

Now I have a couple of questions. Firstly, I am moving to The Netherlands next June permanently, I am under the impression the default will not affect me in Holland, as I start with a new Dutch credit history so I will be ok getting mortgages etc within six years? Is this correct?

Not sure if my 2nd question can be answered, but to my dismay I found how companies background checks can now cover credit history. My girlfriend has a job with an American company in Holland who used a company called Kroll to search her background, asking her for her addresses for the past five years. No idea what they searched for however. When I gain employment in The Netherlands is it likely a search like this will cover my UK credit history and affect my chances of employment? ( Pretty sure I won't be working in finance handling jobs).

Sorry for the long post and thanks in advance!