I have n/c for this because I am embarrassed about my past history, please don't judge, I am already ashamed and trying hard to put it right
Anyway I have been offered a job for a large financial organisation after months of unemployment. The offer is subject to a credit check. The job doesn't involve me handling money but they do the same check on all employees. My credit is dire due to really bad times a few years ago that I am in the process of sorting out.
All of my credit card debts (there are a few) are now with debt collection agencies, and although I have arrangements set up with them it will still look horrendous I am sure on a credit check. I also had a CCJ against me, but I settled and paid that off last year - but still. I have quite a large overdraft too on my bank account. I am refused any credit (or have been before, I don't ever apply for it now).
What details do they see when they run an employment credit check? I have read somewhere that they don't see everything but somewhere else says they do.
I am likely to fail this check and am absolutely gutted if I do and it costs me the job. I have worked so hard to make payments to my debtors and if I couldn't make them (since being redundant) I have always informed them and they have put my account on hold.
If it is only looking at ccj's or bankruptcy then I will be ok as I have paid off the ccj and haven't been bankrupt. But if they look at defaults, late payments etc then I am in a mess.
Any help or advise anyone can give me, or should I just accept that I won't get the job based on my bad credit?
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Credit check for job - help
3 replies
doublechocmagnums · 19/01/2017 20:41
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