help with background check

**Lance** · 19 February 2018, 15:06

Nobody knows. Just be honest about it.

It all depends on the criteria and you haven't shared that (and presumably don't know it)

**SussexSeagull** · 19 February 2018, 15:11

It depends on the end client. You read on here of some people being rejected for a contract for being late with a credit card payment five years ago but for some companies they are more worried about money laundering (namely having more money than you can account for). Most are somewhere between the two.

**northernladuk** · 19 February 2018, 15:19

Originally posted by mikelmb View Post

Hello there.

So recently I have been offered a job in a major financial institution in the UK. however my offer is subject to a successful completion of my background check, which includes a credit check, fraud and criminality check. I have clean records except for my credit.

I have a couple of unsatisfied defaults on my credit report (phone bills dating 4 years+, utility bill 3 years+).

I don't have any unpaid credit cards or missed mortgage payment. just those defaults. Will they lower my chances of getting the job?
How am I expected to manage others' finances when I can't manage my owns? The answer is we all make mistakes. and some of us learn from them and better ourselves, making sure the same mistakes are not repeated in the future, but will they understand that?

thanks.

You want someone to handle your finances and you've got a few people lined up. All bar one has a clean bill of financial health. One has proven they can't handle their own finances. Would you be confident they've learned and are no longer a risk? It's not about understanding, it's about risk management.

We can't give you an answer as to whether it's a problem or not. Different client and even different roles within clients have different approaches to risk. Some need squeaky clean people, others might overlook a few indiscretions. All you can do is apply and see.

If it helps I don't think they will be a problem for many gigs.

Is this a perm role or a contract. Might just re-think the word 'job' when talking about contracts to avoid confusion.

**tarbera** · 19 February 2018, 16:30

no no no no no

Originally posted by Lance View Post

Nobody knows. Just be honest about it.

It all depends on the criteria and you haven't shared that (and presumably don't know it)

no no no no no worse advice you can do

RBS have a Zero Default policy as to BAML and Credit Swiss, to if you have any - you are out

But RBS for example only check 1 in 10 people these days, to takes your chance

Metro bank, a late credit card payment and it seems you are exculded

**Manic** · 19 February 2018, 16:51

Why are they still unsatisfied? Do you still owe the money?

**MrButton** · 19 February 2018, 17:05

Originally posted by tarbera View Post

no no no no no worse advice you can do

RBS have a Zero Default policy as to BAML and Credit Swiss, to if you have any - you are out

But RBS for example only check 1 in 10 people these days, to takes your chance

Metro bank, a late credit card payment and it seems you are exculded

Ignore this.

**Lance** · 19 February 2018, 18:03

Originally posted by tarbera View Post

no no no no no worse advice you can do

RBS have a Zero Default policy as to BAML and Credit Swiss, to if you have any - you are out

But RBS for example only check 1 in 10 people these days, to takes your chance

Metro bank, a late credit card payment and it seems you are exculded

You are a fool if you think they won;t find something so basic. Be honest.

**tarbera** · 19 February 2018, 18:19

Originally posted by Lance View Post

You are a fool if you think they won;t find something so basic. Be honest.

Only if they look

**Lance** · 19 February 2018, 18:25

Originally posted by tarbera View Post

Only if they look

Did you not read the post?
There will be a credit check.

help with background check