DV Clearance and poor credit score

[TheFaQQer]

That's bulltulip, i got SC with a large amount of bad debt - declared it and showed that i was able to pay it back. They are concerned that you might be susceptible to bribes due to being desperate, or blackmail. They don't make moral judgements based apon financial history, just because you have a bad credit rating doesn't make you a bad person.

And when did you get DV? Have you seen the questions they ask for DV? Have you been through the DV interview process?

SC and DV is a completely different kettle of fish.

[the_duderama]

I am as always ready to be proven wrong by someone actually in the know

Corrected your grammer, shame there's not much I can do about your arrogance eh?

Do you work for the DVA? Have you actually been through the process with bad debt? No? Then **** off, no one cares what bulltulip you think.

And yes the DV is more involved than the SC, hence the interveiws and the deeper background check, but the principle is the same.

[stek]

Corrected your grammer, shame there's not much I can do about your arrogance eh?

Do you work for the DVA? Have you actually been through the process with bad debt? No? Then **** off, no one cares what bulltulip you think.

And yes the DV is more involved than the SC, hence the interveiws and the deeper background check, but the principle is the same.

Grammar

Interviews

Principle is not the same, the criteria are tougher. As I said I was DV'd yonks ago and now I'm being SC'd and the two processes bear no relation to each other.

[northernladuk]

Corrected your grammer, shame there's not much I can do about your arrogance eh?

Do you work for the DVA? Have you actually been through the process with bad debt? No? Then **** off, no one cares what bulltulip you think.

And yes the DV is more involved than the SC, hence the interveiws and the deeper background check, but the principle is the same.

LOL funny thing is.. YOU haven't been throught the process with bad debt either.

If you really want correct my grammer should the correct sentance not be?

I am, as always, ready to be proven wrong by someone actually in the know

[TheFaQQer]

LOL funny thing is.. YOU haven't been throught the process with bad debt either.

If you really want correct my grammer should the correct sentance not be?

I am, as always, ready to be proven wrong by someone actually in the know

grammar (or at least put [sic] after your repeated misspelling)

sentence

[stek]

LOL funny thing is.. YOU haven't been throught the process with bad debt either.

If you really want correct my grammer should the correct sentance not be?

I am, as always, ready to be proven wrong by someone actually in the know

I had to copy and paste the two sentences next to each other to see the difference, it was only the lack of a capital letter for the pronoun, is that technically a grammatical error? Grammar is the same in both cases.

And it's 'grammar' not 'grammer' unless I am the victim of yet another cruel in-forum joke

[northernladuk]

OMG guys your just no fun! How can I poke fun at the guy having a go at me when you two step in and correct everything before he can have a pop at me

[SueEllen]

OMG guys your just no fun! How can I poke fun at the guy having a go at me when you two step in and correct everything before he can have a pop at me

That's life....

[the_duderama]

Urrgghh. How do you know the standards are higher? Yes they interview you, yes they interview your family and do a more detailed background check rather than just filling in a form, but it doesn't follow that the standard is higher. You don't know, and I don't know, only the DVA do.

Point I was trying to make, amongst all the trolling, is that a poor personal financial management resulting in a bad debts/credit score does not mean that you will not get cleared. It is a judgement of risk made by the DVA to criteria that we do not know.

[northernladuk]

Urrgghh. How do you know the standards are higher? Yes they interview you, yes they interview your family and do a more detailed background check rather than just filling in a form, but it doesn't follow that the standard is higher. You don't know, and I don't know, only the DVA do.

Point I was trying to make, amongst all the trolling, is that a poor personal financial management resulting in a bad debts/credit score does not mean that you will not get cleared. It is a judgement of risk made by the DVA to criteria that we do not know.

Nicked from this site DV Stuff

Developed Vetting (DV) is the most thorough way of security vetting. The DV process includes a check of your identity documents and employment and education references.

We will ask you to fill in security and financial questionnaires. We will carry out criminal records and credit reference checks, and a check against Security Service records, and will double check some of the references by writing to or interviewing the people who gave them to us. You will also be interviewed by a Vetting Officer.

Do I need Developed Vetting?
The usual criteria for requiring a DV are "long term, frequent and uncontrolled access to TOP SECRET information or assets.... or in order to satisfy requirements for access to material originating from other countries and international organisations".

If you feel that you do not meet these criteria, you should query with your sponsor the need for you to be DV cleared.

I've been vetted before - why do I have to provide lots of the same information all over again?
At present we cannot pre-populate the security questionnaire, but we can provide you with a copy of your previous DV questionnaire on request.

We are introducing new security questionnaires and in due course will be able to pre-populate these with information that does not change.

Why do you need medical information?
The relevant vetting questionnaire explains how we collect and look after medical information. Our Vetting Medical Adviser may contact your doctor (or military medical officer) because we need to know whether you have suffered from certain medical and psychological conditions that could affect whether we think you are suitable to handle sensitive information.

We may ask you to have a medical examination. If you don't let us see your medical reports we can refuse your vetting clearance.

Why do you need my/my partner's financial information?
If you or your partner are, or have been, in serious financial difficulty, or show signs of financial irresponsibility, you could be vulnerable to pressure or bribery.

Debts such as mortgages, loans or credit cards will not normally affect your suitability to hold a DV clearance, as long as you are able to keep up the repayments properly. However your financial situation will be carefully considered, and each case will be judged on its merits.

We may make enquiries if you seem to have large amounts of savings that you cannot explain. The Vetting Officer will ask you to bring some financial and other documents to the interview (see below for details).

If you have a partner, we recommend you share the information in this leaflet. Without your partner's details we may have insufficient information to make a decision on your clearance. Please be assured that we do not retain any bank or credit card numbers.

There are more financial questions answered on the Personal Finance page - see link on the right hand side of this page.

What will I be asked at interview as a Vetting Subject or as a Referee?
This is the main worry for most people who go through the DV process. The Subject interview is likely to be long; up to three hours is not unusual.

It will cover most areas of your life. The Vetting Officer will build as complete a picture of you as is possible. This is so we can make sure that you will be able to cope with access at the highest levels and will not become a security risk and a threat to national security.

We have to look at your loyalty, honesty and reliability, and whether you could be particularly vulnerable to bribery of blackmail. We will question you about your wider family background (relationships and influences), past experiences (if any) of drug taking, financial affairs, general political views (though not which Party you support), hobbies, foreign travel and so on.

The interview will be very searching, but it is not an interrogation and should not feel like one. Some of the questions will be intrusive, but are asked because we are trying to find out if you are vulnerable to pressure. If you have any doubts about the relevance of some questions you should ask the Vetting Officer why they are asking the question.

You should be completely honest, the Vetting Officer will be experienced and it is very unlikely that they will be shocked or surprised by anything you say. Please do not lie or hide information.

We will probably refuse your clearance if we later find out that you have lied to us or withheld information. If you tell the Vetting Officer about a previously undisclosed criminal offence, the matter will be included in their interview report and will be assessed by the DVA . A decision will then be made on what action is to be taken.

Sometimes, people have aspects of their lives they are ashamed of or embarrassed to tell us about. Usually these are of little or no security significance. They will generally not stop or restrict the granting of a security clearance.

If you would feel more comfortable talking about certain matters with a different Vetting Officer (someone of your own sex, age profile, or ethnic group, for example), let us know, and we will try to arrange this for you (Tel: 01904-662745).

If you need any special facilities to enable the interview to take place, please tell the Vetting Officer when they contact you.

Where will I be interviewed?
Interviews are normally carried out at work during working hours. In some cases the Vetting Officer may ask to interview you at your home.

Will I be asked for any documents at the interview?
The following list is not exhaustive, but these are the documents that Vetting Officers commonly ask to see (where appropriate). Please note that all documents must be originals.

Any additional requirements will be notified to you by the Vetting Officer - normally in advance of the interview. Any delay in providing these documents is likely to delay your clearance.


General documents:
Evidence of identification, for example: birth certificate, passport*, driving licence, identity card
Deed Poll or Certificate of Declaration in respect of any change of name
Naturalisation or Registration certificate
Adoption certificate
Marriage certificate/Civil partnership documents
Decree Absolute or Nisi
Separation or Maintenance Orders
HM Forces Discharge certificate
Curriculum Vitae
Utility bills
*Passport is also required as evidence of travel.


Financial Documents (in respect of you and your partner):
Bank current accounts (statements for the last three months
Details and statements for the last three months of all charge and credit cards, store and mail order accounts
Details and statements of all loans and hire purchase agreements
Details of mortgage and copy of last mortgage statement
Details of any County Court Judgements
Last three pay statements
Documents and statements connected with savings and investments
Any other documents which support or help to explain any figures on the Financial Questionnaire