What do the RAF look for when doing a credit check? 14 June 2013 at 6:47AM in UK armed forces MoneySaving 11 replies 6.2K views

One_day_maybe

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.

tinkerbell28

As it will be a basic check for a fireman, not a lot really.

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.

Alias_Omega

No concern here.

Just ensure that what is put down on paper in the AFCO, is honest and true.

Fruit_and_Nut_Case

tinkerbell28 wrote: »

Credit scores are useless.

Just to expand a little on this; the RAF will not see the "score". They will have their own way of interpreting the data.

tinkerbell28

Fruit_and_Nut_Case wrote: »

Just to expand a little on this; the RAF will not see the "score". They will have their own way of interpreting the data.

I know:question:

peteuk

Can he play volleyball? (Sorry RAF joke)

ben_of_waltham

I wouldn't worry, its more about them knowing the truth. So you can't be blackmailed or anything like that. If your honest about everything it will be fine.

bikingbarney

peteuk wrote: »

Can he play volleyball? (Sorry RAF joke)

Or pose in the mirror down the gym or even wear a string vest !!

peteuk

I would say get him to walk around the place with at least one of his mates, if not four or five.....never seen a RAF fireman on there own!

Hope his application goes well.

Blackbeard_of_Perranporth

I have worked in defence for years. I currently have a IVA with Ms BoP at £65,000.

It does not affect my work.

tinkerbell28

Blackbeard_of_Perranporth wrote: »

I have worked in defence for years. I currently have a IVA with Ms BoP at £65,000.

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.