Please help - credit check for employment

chloe1

I am so embarrassed about my past history, please don't judge, I am already ashamed and trying hard to put it right.

Anyway I have been offered a job for a large financial organisation after months of unemployment. The offer is subject to a credit check. The job doesn't involve me handling money but they do the same check on all employees. My credit is dire due to really bad times a few years ago that I am in the process of sorting out.

All of my credit card debts (there are a few) are now with debt collection agencies, and although I have arrangements set up with them it will still look horrendous I am sure on a credit check. I also had a CCJ against me, but I settled and paid that off last year - but still. I have quite a large overdraft too on my bank account. I am refused any credit (or have been before, I don't ever apply for it now).

What details do they see when they run an employment credit check? I have read somewhere that they don't see everything but somewhere else says they do.

I am likely to fail this check and am absolutely gutted if I do and it costs me the job. I have worked so hard to make payments to my debtors and if I couldn't make them (since being redundant) I have always informed them and they have put my account on hold.

If it is only looking at ccj's or bankruptcy then I will be ok as I have paid off the ccj and haven't been bankrupt. But if they look at defaults, late payments etc then I am in a mess.

Any help or advise anyone can give me, or should I just accept that I won't get the job based on my bad credit?

Arleen

Credit checks are fairly standard for anyone working with finances, whether they handle cash or not, so don't feel singled out (as they've said - it's standard).

Experian provides a page explaining what they give in pre-employment check, including an example report, have a look: http://www.experian.co.uk/background-checking/pre-employment-credit-check.html

So while they won't see details of the accounts, they will see that they were mishandled. The best advice I can offer in that spot is to just come clean about your past, as there is no shame in falling onto hard times and it's all in how you handle it. They are most likely going to put some weight to the bad history, but I imagine they are mostly after CIFAS markers/bankrupcy etc.

[Deleted User]

Ideally you should ask them, but they will be looking for CCJs and CIFAS.

chloe1

Thank you - I will tell them upfront about it so at least they know I am being honest.

Can I just ask - what are CIFAS? I don't know if I would have any of those against me?

DCFC79

You've been on here long enough to know not to post the same thread twice, this forum was the most appropriate for the question.

chloe1

Sorry DCFC I didn't know at all so please don't make assumptions, I wasn't aware at all that you couldn't post the same thread twice.

I did actually get more responses in the other forum than I did on this one so I assumed it was just a faster moving forum.

Did you have any advice for me, or did you just post to make a rude remark to me to make me feel even worse? You only had to tell me politely :-)

Arleen

https://www.cifas.org.uk/ so essentially whether you've been market for fraud.

mcpitman

Deleted_User wrote: »

Ideally you should ask them, but they will be looking for CCJs and CIFAS.

Agree with this, maintained (even at a minimum) debts are normally acceptable, CCJ's unsettled are risky and settled CCJ's may be open to debate dependant on employer.

Any chance you can tell s who this is or what region of the country they are in (so we can figure it out ourselves).

MABLE

chloe1 wrote: »

Sorry DCFC I didn't know at all so please don't make assumptions, I wasn't aware at all that you couldn't post the same thread twice.

I did actually get more responses in the other forum than I did on this one so I assumed it was just a faster moving forum.

Did you have any advice for me, or did you just post to make a rude remark to me to make me feel even worse? You only had to tell me politely :-)

Accept that as an unofficial telling off!:rotfl: