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Back checks help re bankruptcy

6 replies

Backcheckshelp · 25/09/2017 13:49

Due to failed relationship and some other factors I was made bankrupt in 2007. I’m hoping to move roles soon and have a question regarding back checks.

The bankruptcy is “spent” after 6 years so can I answer no to any question regarding bankruptcy and if I am bankrupt?

I would rather not share this information as I am very embarrassed about it but I know in my organisation how easy it is to fail a back check (just putting wrong gcse grade) but realise that it is usually a verification process which will throw up anomalies. I work in a corporate sector.

I’d appreciate any feedback please.

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daisychain01 · 26/09/2017 06:26

No need to declare a spent bankruptcy.

That's the point of them timing out. It enables a clean record to be restored. A bit like driving license points, they disappear after so many years so you can regain a clean license.

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daisychain01 · 26/09/2017 06:27

You can always check out your own record e.g. clearscore, so you can see what your financial profile looks like.

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Backcheckshelp · 26/09/2017 12:40

Thank you! My credit score is good and clear so that’s a positive.

Just worried by the wording “have you ever been bankrupt” so it would be a lie to say no.

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RavingRoo · 26/09/2017 12:44

You need to research the organisations. Some places (like banks and financial institutions) have no appetite at all for staff with either spent or unspent bankruptcies and will fire you on the spot if they ever find out you had one. Other companies are just interested in unspent bankruptcies but will specify his in their questioning.

In the above case, without further info, I’d say you should answer yes.

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tribpot · 26/09/2017 12:57

If that's the question, I think you would have to answer 'yes' and give the details of the date and the fact you've been discharged.

Alternatively, you could phone and ask them whether they intended only to query for unspent bankruptcies. This obviously tips your hand as well but I really would not answer 'no' when the answer is 'yes'.