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Hi all,

 

when a prospective new employer says subject to credit checks what does this actually mean?

 

Do they check for bankcruptcy and fraud or the whole lot i.e. credit rating.

 

The reason I ask is that been offered a couple of jobs recently that refer to this (I work in financial services/insurance)

 

and I worry

 

a) of getting turned down for a job and

 

b) kicking debt chasers into life if potential employers are checking.

 

Anyone got any knowledge on this?

 

I dont have and fraud or bankruptcy on my records

but do have a failed IVA appx 5/6 years old and around 60k debt related to this.

 

Thanks

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defaults , ccj's etc will be a problem.

 

what does your file say?

 

any of those?

 

dx


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It would be best to come clean with any prospective employer, before any checks are made.

Are there defaulted accounts on files that are recent?


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I would have thought working in the financial services sector they would be looking for defaults as a minimum so echo dx in what is on your credit file?

 

a search of your credit file shouldnt kick up a hornet's nest with your creditors.

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An employment reference search is usually listed as an unrecorded enquiry.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Length of time at address, GAIN, CIFAS, Public Records, indicators of financial instability eg lots of credit apps in a short period of time.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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