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Justin Time

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  1. I feel so much better having read that, thank you One of the reasons I haven't applied
  2. Thanks for your help, Does that mean it'll show I have a clean record? It's this new role that'll require a credit check, wasn't necessary with my current position My DMP is and has been from day 1 with Payplan, they do an annual financial assessment every year.
  3. In 2008, I entered a DMP, never missed a payment, and still making monthly payments. Prior to entering a DMP, I received a CCJ and a charging order (for outstanding personal loans - consolidation loans issued by what was then Northern Rock. Forward to 2017, following interview, I've received an offer of promotion, this is based on successful Scottish disclosure & credit reference. Not concerned about Scottish disclosure, however, I am concerned about credit reference. I know nothing about credit reference or credit score, hence why I've never applied for my own. Given it was 9 years ago the CCJ & charging order was issued, and I'm still in a DMP, will this show on my credit report? Also, do I have to provide my credit reference to my new employer, or do they do a credit search, if so, is my credit history likely to affect my offer of employment?
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