Employee Credit Check
The Employee Credit Check returns information from the employee’s credit report including court and insolvency data e.g. Court Judgments, edited Electoral Roll information and a credit score. Linked addresses and alias names are automatically searched even if they are not disclosed by the candidate.
Frequently Asked Questions
No. The check is made using the employment vetting search category which leaves a ‘soft footprint’ on the candidate’s credit report. This footprint can only be seen by the candidate. It is not seen by organisations for lending decisions not is it used in the calculation of any credit score.
The data returned will include: details of any court and insolvency data such as Court Judgments, Voluntary Arrangements, Debt Relief Orders and Bankruptcy Orders from the previous 6 years or state no such information is present, linked addresses and alias names plus dates from the edited Electoral Roll plus a credit score.
We suggest you talk to your candidate about the circumstances that led to the judgment/insolvency. For some individuals there will have been mitigating circumstances such as losing their job, serious illness or family problems and others may be able to demonstrate steps they have taken to avoid further episodes in the future. This additional information will enable you to accurately assess the risk posed by the candidate and whether they are suitable for the intended role.