Financial Probity Check

tommytynan123

Hi - going for an interview soon that, if successful, would mean a Financial Probity Check. Job may involve taking CC payments, cheques, logging bank t/fs but probably very little cash as the invoices people are paying are £thousands. Up to about 8 years back we were in trouble but now are 'reasonably healthy' (I think?) If someone can help with these questions I'd be really grateful. I've just glanced at my credit file via Noodle.
1. CCJ - I had one about 30 years back which was paid and file says: ''Bankruptcies, Insolvencies, Judgments - none recorded'' so I'm guessing the old one will not show? (then it is 30 years!)
2. All other accounts (2 x CC's (total £2000) / Store card (£80) / Mobile / Utilities) all say ''up to date''
3. Under 'short term loans' it lists none open and none closed but in Closed Accounts it lists numerous payday loans during 2011/12 but all were paid and balance shows £0 for all. Are those a problem?
How does that square up in your eyes? Thanks.

mcpitman

1. CCJ shouldn't;t be there anymore or show at all.
2. Sounds good, are they up to date now or have there been any missed or late payments in the last 12 months?
3. Not sure how these will be viewed, however history says they were 4 years ago so depends how the company view them.

[Deleted User]

If you're concerned over your files, you should check all three. Call Credit is probably the least likely one for them to use.

PixelPound

Financial probity checks are to see if you are struggling financially and potentially be a risk to be tempted to abuse your position. They want to see you are not struggling financially or appear to be building debt up to struggle in the future.
You shouldn't have a problem, especially if all 3 CRA's show the same. PDL are all settled and so shouldn't be a problem, its not like mortgage companies, they just want to see you are a "fit and proper" person not a financial saint!