Credit Searches and New Job

smartypants1902

Hi folks,

I am totally panicking here.

I have had credit searches conducted for broadband recently with a couple of providers as one of them went wrong.

I applied for a mobile phone deal this morning and was subsequently declined I’m assuming because of too many searches.

I have a mortgage with missed payments, significant savings and salaries coming in. No CCJ’s and never missed a payment on anything.

I am about to be offered a job and know they will credit search. Can you fail a job credit search on the basis of too many searches conducted in a short period or is it a different type of search?

[Deleted User]

It's a very different kind of search.

They'll look for CCJs and bankruptcy. Not new mobile contracts.

smartypants1902

Meant to add credit score is 983.

Thanks, Understand that I’m just concerned now that I have actually failed a search?

[Deleted User]

Credit score is meaningless. It's just a gimmick for you to enjoy, that no one else sees or cares about.

Declines are not shown on credit files.

smartypants1902

Superb thanks for clarifying. Massive weight off my mind.

Nasqueron

Company credit checks will look for things they don't like, for example a financial job won't want bankrupts. A high risk security job won't like someone with troublesome debts (as it could open you up to bribery to help your finances). If it's just a normal job a credit check that simply shows you having an almost perfect record (you said had missed mortgage payments, was that a typo as you then said you had no missed payments?) you should be fine. The mobile contract will have been rejected as the lender didn't want to risk it with you. Check all 3 credit providers just in case