New to DMP - is it likely to affect employment?
I've been scouring the forums for a long while now. I recently reached my limit with debt, under the realisation that I'll never be able to clear it with the ever increasing interest rates and my reliance on the use of any and all credit to get by each month.
I took the plunge and finally reached out to a debt charity for help, went through my budget and set up a DMP. I have made the first payment and have had the majority of my creditors already accept the DMP.
I've never missed a payment, made reduced payments or had any orders etc., so the process is still quite anxiety inducing - however, I do believe the DMP will make a big difference to my future and I'm excited to start paying down my debts.
I'm sure I'm being irrational!! But, I do have one current concern and that is employment. I don't wish to disclose too much personal information but I work for an architectural practice as a designer. In any of my previous jobs in a similar position, including my current job, I don't ever recall my credit score needing to be checked for any reason (prior to employment or during). I can't see any searches on my credit report made by an employer. But I can't shake the worry despite reading a DMP shouldn't affect employment, generally speaking. I've gone through my contract of employment, including employment particulars and I can't see anything suggesting they run credit checks, a requirement to uphold a particular credit rating OR the requirement to tell them I'm having any sort of formal/informal debt aid.
I don't wish to speak to my company about this & I appreciate nobody here could definitely say they would or wouldn't check my credit report, but based on peoples knowledge & experiences, would it sound likely that my position is safe from being affected by a DMP? I assume they would require my permission to check my credit report now, if it's not in my contract to already do so?
Sorry for the very long post, it's just this one little niggle that keeps playing on my mind - annoying as it wasn't a concern initially. I wouldn't like my employer to find out partly due to embarrassment but also because I need my job and wouldn't want to risk losing it for any reason.
Thank you to anyone who's read my vent, but also to anyone who has any information or advise.
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