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Employment Credit Checks

Automated adverse financial checks, often known as credit checks, can provide you a snapshot of a candidate’s track record with consumer debt.

Applying our automated online credit-related checks to all applicants who will have access to a company’s or client’s assets or the capacity to authorise payments is a great way to reduce the possibility of fraud and increase the likelihood of compliance.

Our Bespoke System Report On

  • Defaulted payments pertaining to the person
  • Bankruptcy (in many nations where appropriate)
  • Repossessions of real estate

Frequently Asked Questions

Employers frequently conduct employment credit checks to assess the risk of potential candidates and workers. A Financial Probity Report and an Adverse Financial Report are other names for these checks.

Current and prior residences, electoral roll data, insolvency information (such as bankruptcies, IVAs, sequestrations, and trust deeds), and county court judgments (CCJs) from the last six years are all identified through these checks.

Employers’ motivations for doing credit checks differ from those of lenders, who are primarily interested in determining whether or not you will repay a loan on time.

A company checking your Public Information can deduce your financial health even without access to your whole Credit History (how you’ve managed individual credit accounts in the past).

That’s crucial, since bankruptcy or a judgement from a county court might be seen as a red flag by a prospective employer.

Having a stable financial background is important to prospective employers because it demonstrates that you are not a danger when it comes to managing money or private information. Someone in extreme financial stress may be more receptive to outside pressures such as bribery or theft.

When doing a credit check, businesses may look into whether or not you have repaid your debts on time, how much credit you presently have, and how well you are managing that credit. They may also look at any financial relationships you have (such as someone you share a bank account or mortgage with) as well as that person’s credit history. For example, they may look at the credit history of the person you share a mortgage or bank account with.

If an employer checks an employee’s credit report, that company will not be able to access the employee’s personal credit record; hence, the employee’s credit rating will not be impacted. When credit reports are accessed for certain purposes, such as verifying the identity of a job applicant or determining whether or not they are qualified for a position, entries are put on such reports. When a prospective employer looks into a candidate’s credit history, they will only perform a “soft” search rather than a “hard” search on the candidate’s credit report.

Just as each creditor has its own criteria for determining whether to approve an application for credit, each employer will have their own standards for determining what constitutes an appropriate degree of risk when making a job offer. It will be crucial how serious and recent the data is. In contrast to a CCJ from several years ago, current negative material is considerably more likely to be a worry to a potential employer.

There are occupations that need you to reveal a lot more about your financial history. A thorough credit check, similar to those undertaken when asking for a loan, may be conducted if you are applying for specific positions with significant responsibilities in the financial sector, law enforcement, or government organisations (such as HMRC).

Testimonials

Fully Accredited

Our examiners are fully accredited and members of several Polygraph Associations.

We all use the latest technology and digital instruments. We have been vetted to the highest levels, worked with national and international intelligence services and can undertake the most sensitive investigations in a discreet and totally confidential manner.

We charge from £395 all inclusive at our office in Manchester, but by request we also offer our services at any other location of your choice.

Our services are available out of office hours, and we are available 7 days a week.

Contact us for bulk booking discounts.

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