Skydivin
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Thanks for your speedy reply Emmzzi. I checked my crdit report back in September and it was very poor. In regards to your question about me being honest; the question hasn't came up. All I've been asked is if I have ever been bankrupted or had any CCJ's or an IVA. I was on a payment plan for my debt in the past but had to stop paying due to losing my job. I really hope my financial history won't impact me getting this job.
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So I've recently been offered a Customer Service position with a bank as my interview was a great success. However, I was advised that they will be performing background checks on me before the offer is unconditional. These checks consist of the following: Criminal Record Check Previous Employment Reference Checks Credit Check Character References Right to work in the UK These checks will be carried out by a third party on behalf of the bank. Although I have had no previous convictions and will be able to provide strong references as well as being allowed to work in the UK; my credit rating is poor. My question is: Will having a poor credit rating stop me from securing this job? I am not bankrupt nor have I ever had any CCJ's/decree - just defaults resulting in a poor rating. This all happened when I was a student and was quite foolish with my finances and took out many payday loans which I defaulted on. I have been given a start date and contract etc. However, I'm just scared this will fall back on me and result in me being refused or withdrawn. Has anyone had any similar experiences? Your help will be appreciated.
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