DV Clearance and poor credit score

[northernladuk]

Also comment from another site..

undergo a 'financial check' to assess whether you (or your dependants where applicable) are, or have been, in serious financial difficulty or show signs of financial irresponsibility to the extent that you could become vulnerable to financial inducement.
The DVA elaborates: 'There is no need to worry about mortgage and credit card debts that are in line with your income as long as you are able to manage the repayments properly. At the opposite end of the financial scale, unexplained wealth may result in further inquiries being made.'

As has been said each case will be taken on it's individual merits but being in a situation that is actually mentioned as a potential problem in DV advice is never a very good start.

[the_duderama]

Nicked from this site DV Stuff
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.

It's the same information they ask for on the SC. Also all that shows is what information they want and that they will consider your financial situation, it doesn't tell you how they make the decision to grant clearance, or that the criteria is different between SC and DV.

Again the point I'm trying to make is that poor credit does not equal no clearance, much like what they are saying there.

But then you are massive trolltastic fagboat though aren't you?

[lje]

But then you are massive trolltastic fagboat though aren't you?

Is that really necessary? NorthernLadUK might be quite forthright with his opinions but he offers a lot of advice on this forum and helps a lot of people - which I haven't seen much of from you. Just because you're conversing on the internet doesn't make it acceptable to be a complete pot noodle.

[northernladuk]

It's the same information they ask for on the SC. Also all that shows is what information they want and that they will consider your financial situation, it doesn't tell you how they make the decision to grant clearance, or that the criteria is different between SC and DV.

Again the point I'm trying to make is that poor credit does not equal no clearance, much like what they are saying there.

But then you are massive trolltastic fagboat though aren't you?

You do not know this as you are making an ssumption. We do not know how the OP got his poor rating. He has in some way shown that he is not financially responsible so going back to the following sentence

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.

He HAS shown signs of financial irresponsibility so it is POSSIBLE he is to pressure or bribery but we just don't know due to lack of information on his situation. On that basis you are only partially correct. It doesn't equal no clearance but you cannot sit back and expect to get it either. He is on the backfoot the fact they are going to have to dig in to what sounds like a mess so I wouldn't hold my breath.

But then you are massive rude and some times arrogant sh*t but mature enough not to make it personal type person though aren't you?

FTFY

[northernladuk]

It's the same information they ask for on the SC. Also all that shows is what information they want and that they will consider your financial situation, it doesn't tell you how they make the decision to grant clearance, or that the criteria is different between SC and DV.

Again the point I'm trying to make is that poor credit does not equal no clearance, much like what they are saying there.

But then you are massive trolltastic fagboat though aren't you?

Read further down, there is a list of finacial documentation that vetting officers often ask for. I can't remember having to supply most if not any of these for SC.

[Netraider]

I gained DV clearance despite having a CCJ registered. My vetting officer was interested in how I got into debt and what I did to clear the debt and CCJ. I was then asked what I would do if the situation was to arise again, the expected answer being "I would report it to my securiy officer\vetting officer". As it was explained to me - Being in debt is not a bar to DV clearance. It is how you handle the situation.

I hope this helps.

[TheFaQQer]

I gained DV clearance despite having a CCJ registered. My vetting officer was interested in how I got into debt and what I did to clear the debt and CCJ. I was then asked what I would do if the situation was to arise again, the expected answer being "I would report it to my securiy officer\vetting officer". As it was explained to me - Being in debt is not a bar to DV clearance. It is how you handle the situation.

I hope this helps.

You didn't fall for their cunning trap and respond "sell state secrets to the Chinese for a cool £100k" then?

[TheFaQQer]

It's the same information they ask for on the SC.

No, it isn't. Have a look at the DV form, then have a look at the SC form. They ask completely different questions. SC doesn't ask about your partner's financial circumstances, for a start. SC doesn't ask where you bank. SC doesn't ask when you were last overdrawn. SC doesn't ask why you went overdrawn. SC doesn't ask the last time you went to a bookmakers.

Without knowing what the OP did, why they did it, and what they would do in the same situation, no-one here is going to be able to say whether they would or would not get DV clearance. In fact, even knowing all that, no-one here is going to be able to say for certain whether they would get the clearance or not.

To the OP - if you are going to go for it, then you will be expected to know when you defaulted and why for each occasion. DVA already know that you did it, they just need the bigger picture before they can make an assessment.

[ratewhore]

To the OP; don't bother asking serious clearance related questions here. Go directly to your case officer who is managing your clearance at whichever agency is clearing you and ask them.

Job jobbed!!!

[the_duderama]

Is that really necessary? NorthernLadUK might be quite forthright with his opinions but he offers a lot of advice on this forum and helps a lot of people - which I haven't seen much of from you. Just because you're conversing on the internet doesn't make it acceptable to be a complete pot noodle.

Yeah, I think it is. It seems all the advice he offers is "you're ****ed/stupid" or "use a search engine", which begs the question why bother?

Oh I know wait I know why, he can be a big man on the internets. Well done, no really, congrats. If you're happy to listen to his drivel carry on.