to tie myself up in knots and argue with DH over this?

[TheMrsClooney]

DH and I are having an argument and clearly I am right

In all honesty this is a rather serious matter so any advice from those more knowledgeable will be appreciated. Here goes!

After months of unemployment I have finally found myself a job (even though it's incredibly monotonous and the pay is crap). Everything is done and signed but now they need to do some checks and make sure I am not lying about my education and employment history etc. Rather standard, I imagine. Since this is a job related to banking, a credit check will also be required. I had never cared much about my credit report until now, but since I knew they were going to be pulling it up, I thought I might as well check and see what's on it before they do. Everything looks good, I've paid the bills on time, no credit cards, no debt.

However there is one teeny, tiny blemish. Around 19 months ago I was out of the country to take care of my ailing sister and I fell a few days behind on my bank overdraft payment without realising it. So there are these two months where it says that the overdraft payment of some £20 was late. I have a separate saving and current account and while I don't have any formal overdraft agreement, the bank randomly allows my debit card to go 20-50 quid over the account limit sometimes. I usually pay it off straight away and there isn't an issue, but since I was out of the country and the card wasn't in regular use, i didn't even realise that this had happened.

SO.

I think that this is potentially bad and that i should put a Notice of Correction to explain why I was a bit late on those payments.
I also think that i might have to call HR to declare this.

My DH thinks I have lost my mind and that nobody cares about two £20 quid payments that were less than a month late some 19 months ago. He is also insisting that the NOC will only end up attracting needless attention to the late payments.

He insists that employers will usually not even be able to see a NOC because it is only for lenders, whereas I disagree.

Who is right?

[WilsonFrickett]

If you want to put the notice on to help with your overall credit score, then do so. But honestly, this won't affect your employment checks at all. I also think it's highly unlikely that an actual HR person from your actual bank will be doing it btw, it will be outsourced so they'll just get a tick form back.

[glastocat]

Your dh is right. I've worked in finance for 20 years, they won't give the tiniest fuck, really.

[TheMrsClooney]

glastocat- then what are the sort of things that they normally look for? I am still a bit hazy.

[Bogeyface]

Mrs I dont know 100% as I only applied for a job but I was told that it was CCJ's and Bankruptcy in the main, or major defaults on mortgages etc. I was told it was because if you own finances arent in order then you would not be considered suitable to offer financial advice to others, would flag up as being more likely to commit fraud if you have had financial difficulties. The pay was shit so I withdrew before the credit score was done, but I understood it to mean that a couple of late payments for your phone bill wouldnt make a difference but a CCJ would.

I would be very surprised if it would make a difference to your application tbh, especially as the payments were made so it isnt a default, just late.

[joanofarchitrave]

I bow to the opinion of the majority; however, I would call them and let them know, just because my overall operating principle is NEVER let your manager be surprised, always approach them first. I wouldn't bother with a NOC though.

[tweedledumtweedledee]

A potential employer is only allowed to see the 'public' data held about you so unless you have any ccjs, bankruptcy or any other issues with say the electoral register, they can't see it.

[custardo]

i would be very surprised if one shit was given

[glastocat]

The Mrsclooney as others have said they can only check for defaults or CCJs, they are not going to be at all interested in two tiny late payments, and tbh if you disclosed them they will be a bit in my experience. Relax, really this is not the kind of thing they are looking for at all.

[glastocat]

Oh yes, bankruptcy rules you out of a lot of finance jobs.

[ChristmasCareeristBitchNigel]

I have a job which has an extremely high level of personal and financial vetting due to access to confidential information. I have lots of late/missed payments on my credit history. I have been vetted every 3 years for the last 9. No issues at all