Is there such a thing as an enhanced credit check?

zombieslayer25

Ive never heard of one, but Im just wondering how far back a credit check could go. I was wondering if it was similar to a CRB check in the fact that you can get enhanced criminal checks going back to all convictions even those spent.

I started studying for my AAT (accounting qualification) a few months ago, but have just found out that in order to qualify you can't have been bankrupt or had a CCJ against you.

Now going back a few years I got a CCJ due to council tax non-payment (also admittedly being a bit stupid). I did pay it back and it is no longer on my credit report (it was well over 6 years ago) so Im worried that I wont qualify as I once had a CCJ. Is there any way they would be able to tell if I didn't tell them?

The_Boss

If it was well over 6 years ago it won't show on a credit report, but not sure whether they can check ccj records separately

The question really is : do you want to do all the hard work for nothing if they find out about it? You should declare it now.

Just_a_Girl_2

I'm pretty sure council tax debts don't go to the county court, just the magistrates court. A council tax debt doesn't generally show up on a credit report.

The_Boss

Just_a_Girl wrote: »

I'm pretty sure council tax debts don't go to the county court, just the magistrates court. A council tax debt doesn't generally show up on a credit report.

True, that will teach me not to read it entirely...

The best way is still to declare the CCJ

fermi

Just_a_Girl wrote: »

I'm pretty sure council tax debts don't go to the county court, just the magistrates court. A council tax debt doesn't generally show up on a credit report.

It's not the usual recovery option by any means, but sometimes councils do go for a CCJ. Even very occasionally, bankruptcy in the county court.

zombieslayer25

Just_a_Girl wrote: »

I'm pretty sure council tax debts don't go to the county court, just the magistrates court. A council tax debt doesn't generally show up on a credit report.

The_Boss wrote: »

True, that will teach me not to read it entirely...

The best way is still to declare the CCJ

Do they not? I never knew that.

The_Boss

Surely you will know if you have a CCJ or not though from what happened at the time?

For your accountancy qualification, they would want to know if you have ever been declared bankrupt or had a CCJ. Not whether you CURRENTLY have a CCJ on a credit report.

moneymuffin

Just found this on AAT website:

What we look at

Your application will be passed to the AAT Conduct and Compliance team for review if you

Have been declared bankrupt
Have had arrangements with creditors
Have had criminal convictions
Have had County Court Judgments (CCJs).

The factors we consider when deciding eligibility include

Whether you were at fault.
Whether your bankruptcy, arrangement with creditors, criminal convictions or CCJ was reasonably foreseeable.
Whether you took reasonable steps to avoid the situation.
How long ago the bankruptcy, arrangement with creditors, CCJ, criminal conviction or other arrangement occurred.
The financial amount involved.
Your conduct since the bankruptcy, arrangement with creditors, CCJ, criminal conviction or other arrangement occurred.
How you have managed your debt.

Also, here's a link to the web page as there may well be more info for you on there

https://services.aat.org.uk/content/item125382/#ccj

Obviously I don't know for sure but looks like it won't necessarily effect your membership. Would definitely declare it though as if they did find out later that may effect your membership as I imagine they would frown on dishonesty.

The_Boss

moneymuffin wrote: »

Just found this on AAT website:

What we look at

Your application will be passed to the AAT Conduct and Compliance team for review if you

Have been declared bankrupt
Have had arrangements with creditors
Have had criminal convictions
Have had County Court Judgments (CCJs).

The factors we consider when deciding eligibility include

Whether you were at fault.
Whether your bankruptcy, arrangement with creditors, criminal convictions or CCJ was reasonably foreseeable.
Whether you took reasonable steps to avoid the situation.
How long ago the bankruptcy, arrangement with creditors, CCJ, criminal conviction or other arrangement occurred.
The financial amount involved.
Your conduct since the bankruptcy, arrangement with creditors, CCJ, criminal conviction or other arrangement occurred.
How you have managed your debt.

Also, here's a link to the web page as there may well be more info for you on there

https://services.aat.org.uk/content/item125382/#ccj

Obviously I don't know for sure but looks like it won't necessarily effect your membership. Would definitely declare it though as if they did find out later that may effect your membership as I imagine they would frown on dishonesty.

Yeah, definitely best to declare now.

zombieslayer25

I was never going to NOT declare it, but I was just curious if there was such a thing as an enhanced credit check and Im still non the wiser. Thanks for replying though