Back checks help re bankruptcy

[Backcheckshelp]

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.

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.

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

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.

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.

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'.

I agree it definitely depends on the exact wording of the question.