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Will my credit rating ruin my chances?

Sarah1971
Posts: 101 Forumite
I have an interview tomorrow with a commercial finance/factoring part of a large commercial bank. Because of my experience etc I have a very good chance of getting the job, well I thought so until I filled in the application form today! The agency have asked me to complete it and take it with me with 3 forms of ID, which I done. Unfortunately - I have a bad credit rating due to joint debt with my ex who left me over 2 years ago and went on to declare himself bankrupt 
The problem is on the application there is a section on compliance with the FSA. It says that it is a condition of employment of pepole involved in selling general insurance to be 'regulated', to ensure they comply with the rules, codes of conduct and principles of the FSA. I have had to tick yes on one of the boxes which asks if I have had to in the last 6 years entered any agreement in favour of creditors. I have done this with CCCS.
I however have never missed a mortgage payment, have any CCJs or anything like that.
I am now worried this creditors agreement with CCCS and my bad rating will go against me, even though the job is not actually selling a product but more of an admin/support role which is to pursue indemnifiers, partners or proprietors of client business and their debtors to recover advances where a shortfall has been identified.
Any expert advise would be appreciated as I am now thinking what is the point of going for the intreview.
(I wasn't surw where to post this so it's also on the job seekers bit)
Thanks
Sarah

The problem is on the application there is a section on compliance with the FSA. It says that it is a condition of employment of pepole involved in selling general insurance to be 'regulated', to ensure they comply with the rules, codes of conduct and principles of the FSA. I have had to tick yes on one of the boxes which asks if I have had to in the last 6 years entered any agreement in favour of creditors. I have done this with CCCS.
I however have never missed a mortgage payment, have any CCJs or anything like that.
I am now worried this creditors agreement with CCCS and my bad rating will go against me, even though the job is not actually selling a product but more of an admin/support role which is to pursue indemnifiers, partners or proprietors of client business and their debtors to recover advances where a shortfall has been identified.
Any expert advise would be appreciated as I am now thinking what is the point of going for the intreview.
(I wasn't surw where to post this so it's also on the job seekers bit)
Thanks
Sarah
Expect less and get more...
0
Comments
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Hi sarah - not expert advice, but good luck!
I'd go for it anyway, the worst they can do is say 'no'. If you're good at your job, and you are honest with them, then I can't imagine they would turn you down on that - it's hard finding good people. Worst I'd imagine is that they'd want to know more about the circumstances
gtdOfficial DFW Nerd Club - Member no. 208 - Proud To Have Dealt With My Debts DEBT FREE DECEMBER 2008!!!0 -
I work for a bank and we have similar questions on our application forms - generally, if people are good enough to be offered a job, they will be offered one even if they have a poor credit rating, but they just might not be eligible for a bank account with us etc. I hope it's the same with you - as GTD says, just be honest and upfront with them, and hopefully it will be okay."I wasn't wrong, I just wasn't right enough.":smileyhea97800072589250
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i agree with everyone else, just be honest, thats all they can ask of you. Its best to be honest than you get the job and then be dismissed once they 'find out'. It shouldnt be a problem though as you have no ccj's... fingers crossed for you :cheesy:0
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Thanks everyone. That is good to know that you don't think it will go against me. At the end of the day I'm being totally honest with them.
I'll let you know how I get on!Expect less and get more...0 -
Hiya Sarah,
I work for a finance company and have recently had to interview an employee in a similar positon to yourself. If you are completely open and honest with them there shouldn't be a problem.
I employed the individual based on them and not their finances.
Hope this helps Laura0
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