Employment credit checks after bankruptcy

Halladay34

Hi,

Just a quick question I was hoping someone could help me out with. I was declared bankrupt in 2010, discharged a year later and haven't had any credit since.

I am currently unemployed and a lot of the jobs I am looking at are advertised all requiring credit checks (customer service, admin type roles) and I not sure if I would pass them or not?

Thanks in advance for any help
Sean

National_Debtline

Hi Sean


Such credit checks by prospective employers are usually of a "soft" nature: that is to say, they only reveal certain pieces of information about that person from the past six years. This would include any bankruptcy or other formal insolvency process, any county court judgments and your address history during that period. It may also show how your credit "score" compares to the average, but this is simply a number calculated by the credit agency itself and is not used by any other financial institutions.


It is impossible to say whether you would pass any particular employer's requirements, as each will have its own selection criteria. Generally though, it is more likely to be a matter of them looking for anything that might suggest a record of fraud and/or dishonesty, rather than simply having consumer debts that you were unable to repay once upon a time.


Best of luck in your job hunt.


Dennis
@natdebtline