Will it effect my Disclosure

kpadda

Hi,

I have to apply for a disclosure report for my Job. I have no Crimanal Convicons, but a few yrs ago I defaulted on a Personal unsercured Loan. I wanted to know would this effect my Disclosure?

Any advice would put my mind at ease.

Thanks

taffam

Hi

I guess it depends on what kind of disclosure you are having and what type of job you are going for.

If it's a CRB Disclosure, this doesn't include and financial history but if you're going for a job that is, say, with a bank they will credit check you. It's not so unusual for employers to credit check staff who would be dealing with money. If you show a bad credit history they will consider you a risk to them.

Mainly this is because in the past staff members may have stole or sold stock to obatin money to settle debts.

I wouldnt have thought you have anything to worry about though if you only defaulted on it once and if this was a few years ago you should be fine. It's only if your a serial defaulter with lots of arrears you would be in the proverbial.

Hope this helps!

dannynixon

I have never heard of receiving a credit check for a job, lol.

Seems to make sense though

Tori_Bellatrix

dannynixon wrote: »

I have never heard of receiving a credit check for a job, lol.

Seems to make sense though

I think it's quite common in the banking world and other jobs where national security is an issue

dannynixon

Yea like I say it does make sense, thinking about it. I had just never even considered it. If you fail the credit check, does it have an adverse effect on your credit rating?

Tori_Bellatrix

dannynixon wrote: »

Yea like I say it does make sense, thinking about it. I had just never even considered it. If you fail the credit check, does it have an adverse effect on your credit rating?

Not on your credit rating but possibly on whether you get the job ...