What do the RAF look for when doing a credit check?
in UK armed forces MoneySaving
11 replies 6.2K views
My boyfriend is currently going through the selection process from RAF Fireman, he is concerned about the credit check. Although he has never defaulted on a payment, or has a huge amount of debt he has two credit cards, a loan for his car and an overdraft which means he only has a credit score of about 650 and his over all score is poor. His goings are manageable and he currently earns about the same as what he would be on for basic training. Would this effect his application and what is it that they look for? He has no CCJ's, never been bancrupt, pays on time and no dependents, household bills or a mortgage to pay for. Can anyone shead any light on this please? Thanks in advance.
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They want to see his finances are manageable, he is finically responsible. Without over stretching himself, so at risk of corruption. Or showing signs of irresponsibility which may effect his work. Or not being able to meet his commitments in training.
From what you say it all seems fine. Credit scores are useless.
Just ensure that what is put down on paper in the AFCO, is honest and true.
Current debt ZERO.
Or pose in the mirror down the gym or even wear a string vest !!
Hope his application goes well.
Current debt ZERO.
It does not affect my work.
TBF, It all depends on the job you do and the clearance needed, for some that would be a no-no. But for some ok, as long as they were honest.
Plus this guy is looking and enlisting. They don't like high levels of debt for new recruits, they want to know you can manage your commitments through basic and beyond, with the wage you get.