It's a relatively small amount, but how would I find out if there's a CCJ on my credit file if I'm still living in the US? If I check my credit while still living here, can they trace me and sell the debt to an agency here? I've been married and changed my name since I left the UK but my NI number doesn't change.
I've learned some harsh lessons about getting credit, so I probably won't apply for anything when I return, but I'm worried about when I start to build a life there again. I'm assuming that this will catch up to me eventually. If they haven't tacked on massive amounts of interest or penalties in my absence, I'd be willing to pay it off as soon as possible, but I'll have almost nothing to go back with and won't have anything until I start working, and I didn't want to be harassed for ridiculous payment amounts until I could afford more.
EDIT: I forgot to add that I'll be staying at mum's until I can get a place of my own, and I didn't want my actions in the past affecting her life now. I don't know if a person's credit history affects the address they're living at, I know it used to blacklist an address if someone's history was poor, but not sure about now. Anyone know the answer to this?