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  • FIRST POST
    • hiddenjam
    • By hiddenjam 19th May 17, 9:17 PM
    • 2Posts
    • 0Thanks
    hiddenjam
    adverse credit check for job
    • #1
    • 19th May 17, 9:17 PM
    adverse credit check for job 19th May 17 at 9:17 PM
    Hello

    I got offered a job today pending a pre employment screening which includes an adverse credit check by Experian.

    I'm a little bit concerned because my credit score is between very poor and poor on Noddle. I had a default on a mobile phone bill in 2012, it was paid off and satisfied almost straight away but it's still a mark on my credit history. I also have about £20k of debt (loan, credit card, etc).

    Searching on Google hasn't really set my mind at ease as there's conflicting info on what the employer might be able to see. It's not for a bank, so most sites say they only see public info for CCJs, etc and nothing about defaults.

    I'm worried the default WILL show up and combined with the loan I have, I'll look irresponsible in some way. Will they pick up on these things or solely look at the CCJ stuff?
    Last edited by hiddenjam; 19-05-2017 at 9:18 PM. Reason: typo
Page 1
    • nikongirl
    • By nikongirl 19th May 17, 10:30 PM
    • 139 Posts
    • 142 Thanks
    nikongirl
    • #2
    • 19th May 17, 10:30 PM
    • #2
    • 19th May 17, 10:30 PM
    Your credit score is a totally meaningless number plucked out of thin air. Don't worry about that.

    Check what shows up on your credit report with Experian (you can do it free with MSE Credit Club). You might find it's different from Noddle (definitely is in my case). At least then you can be prepared for any questions they might have.
    Debt at LBM 3/14: £27661 £11878 | £500 Overdraft | £2275 Council Tax | £910 CCJ | £800 Overdraft | £1800 Marbles | £7580 5283 Egg | £14735 6375 Family
    Quidco Earnings 11/06-03/15: £330
    • boo_star
    • By boo_star 19th May 17, 11:05 PM
    • 1,213 Posts
    • 597 Thanks
    boo_star
    • #3
    • 19th May 17, 11:05 PM
    • #3
    • 19th May 17, 11:05 PM
    Even if they can see the default it's not necessarily going to result in the offer being rescinded.

    They're often more concerned about people who might be tempted to steal to pay off their debts or be coerced into doing it by a third party to help clear them than they are about your account conduct.

    It'll matter even less if it is satisfied.
    • A4445
    • By A4445 20th May 17, 10:18 AM
    • 575 Posts
    • 271 Thanks
    A4445
    • #4
    • 20th May 17, 10:18 AM
    • #4
    • 20th May 17, 10:18 AM
    I had a bankruptcy and numerous defaults and passed a credit check for a job!
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