What exactly can employers see on credit check

missgstar26

Hi guys

just a quick question- not entirely sure this is in the right section!

i have just been offered a job subject to a credit check at an insurance company. i dont have any ccjs or ivas, but i do have a few late payments for late last year and earlier on this year.

does anyone know what exactly the employer can see on my report? Is there anywhere i can find out without asking the company directly?

thanks!

JennyJenJen

They can see exactly what you can see when you get a copy of your credit report. What you need to know is what decision making criteria they use to decide when looking at your report.

MusicalLawyer

Employers don't score very harshly, I know that much.
I'm pretty sure they can only see things such as CCJ's and Bankruptcy.

I had 1 settled and 4 unsettled defaults on my file yet still passed the checks for a job within the Financial Services.

JennyJenJen

KellyKing1987 wrote: »

I'm pretty sure they can only see things such as CCJ's and Bankruptcy.

They can see it all!

It just depends on what is acceptable to the employer.

rdchick

My company does a credit check too as we work with highstreet banks but just deal with their online stuff but even a guy with a CCJ was allowed to stay so depends on the job I guess...

taffy056

JennyJenJen wrote: »

They can see exactly what you can see when you get a copy of your credit report. What you need to know is what decision making criteria they use to decide when looking at your report.

I seriously doubt that, I think they can only see publicly available information, such as bankruptcy, CCJs and electoral info.

There you go

http://www.knowyourcandidate.co.uk/employee-credit-checks.cfm