Originally posted by Lance
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Reply to: help with background check
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Previously on "help with background check"
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Originally posted by Lance View PostGiven the crap advice you gave, that the OP followed, what on earth makes this good as well?
The client has said that they want to see evidence of a payment plan. To not do that risks the role.
You might be right this time, that it being settled will be enough, but that’s not what’s been asked for. The OP needs to play their game.
Holding his hands up would have just got him kicked out sooner in the process as I have seen many times
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help with background check
Originally posted by tarbera View PostOp never put a payment plan in place, it's still at default status, at rbs we once had 8 out of 13 offers withdrawn for defaults from £500 to a few K, most of the people were unaware they had defaults (ex wives, partners, moving banks and dd not been moved over, fraud by others in own account, working abroad for 6 months and forgetting to pay gas bill etc) people for roles that never touch customers or money ever ever a PMO for example
Settle the debt op it will go settled
Look for another role
The client has said that they want to see evidence of a payment plan. To not do that risks the role.
You might be right this time, that it being settled will be enough, but that’s not what’s been asked for. The OP needs to play their game.Last edited by Lance; 10 March 2018, 13:11.
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Originally posted by BR14 View Postyou Have to be honest with these checks. you've put yourself in a bad position now. - has everything been paid?
Settle the debt op it will go settled
Look for another role
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Originally posted by mikelmb View Postjust a quick update! I have been given a start date, but they conducted an extensive background check (credit check) on me. I never declared the defaults but they found out and asked me to prove that there is a payment plan in place or the offer would have been withdrawn (just because of unpaid phone bills!).
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just a quick update! I have been given a start date, but they conducted an extensive background check (credit check) on me. I never declared the defaults but they found out and asked me to prove that there is a payment plan in place or the offer would have been withdrawn (just because of unpaid phone bills!).
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Originally posted by WavyDavy View PostHowever, the experiences on here seem to be contrary to this.
Davy
Don't confuse experience with opinion ;-)
Apart from the RBS thing, which will be an in place check done by the bank under their employment T&C, not an employment screen done externally.
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Originally posted by northernladuk View PostThis appears to be really poor advice to me unless you can come up with some evidence. What you say is a bank won't go the extra step to look deeper in to someone's credit history when it's easy for them to do so and the penalties are so much let alone the losses the bank incurs? That's just ludicrous.
Experian themselves think that banks will do this...
How do I update a default and will it affect job chances? - Experian UK
Account history information is shared between lending institutions under the Principle of Reciprocity. This means that they see what they share. An employment screening company does not participate in this relationship and therefore cannot see this information. They can only see publicly available information which is the information Experian details on their website.
A bank will be able to see this info and RBS probably does it under the terms of employment, that wasn't the OPs question though - he was talking about a default stopping him getting the job an d my advice is that for an external screen he will probably be ok.
If a full credit search was routine then I would have seen it on my credit file in the search history - as it was I could see the employment screen only.
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Originally posted by radish2008 View PostNo it really isn't. An employment screening agency does not have access to your account history or default information. I worked in a CRA for 5 years
My understanding was that pre-employment screeners (HireRight etc) and agencies weren’t part of the reciprocity agreement with CRAs and so could not see this data. Only judgements and IVAs and Bankruptcies.
However, the experiences on here seem to be contrary to this.
I’m properly confused
Davy
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Originally posted by radish2008 View PostThere will be a credit check. But it will most probably be done by an employment screening company and they can only see public information, so bankruptcy, fraud etc. A default is not public information.
It's unlikely the bank will do a full credit check with histories etc. and if they did it would show on your credit file history. I guess it also depends which are of the bank you work in but I'd think the OP will be ok.
Experian themselves think that banks will do this. If you are happy with gambling with 'might' then fill your boots.
How do I update a default and will it affect job chances? - Experian UKLast edited by northernladuk; 28 February 2018, 11:33.
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Originally posted by tarbera View Postyes it is
yes they do
From Experian's website:
What's the process?
When you request a pre employment credit check, our system will quickly scour numerous public and private databases for any adverse financial warning signs. We check County Court Judgements (CCJs), bankruptcies, voluntary arrangements, decrees and administration orders. The Experian Adverse Financial Check also consults the candidate’s electoral roll registration to confirm their current address.
To answer your second point - why would the bank outsource their checks and then do them again ? I was hired in for a bank and underwent an enhanced screening - the agency took 6 weeks and went into massive detail, the bank didn't do anything.
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lol
Originally posted by radish2008 View Post. A default is not public information.
It's unlikely the bank will do a full credit check with histories etc.
yes they doLast edited by tarbera; 28 February 2018, 11:28.
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Originally posted by Lance View PostDid you not read the post?
There will be a credit check.
It's unlikely the bank will do a full credit check with histories etc. and if they did it would show on your credit file history. I guess it also depends which are of the bank you work in but I'd think the OP will be ok.
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Originally posted by tarbera View PostHe was not lying to anyone - the default arrived in 3rd year of his contract, He has the experian notify service - same day he was notified he paid it off (nothing in his contract to notify RBS of defaults) - poor chap at time of divorce had paid it all off (and thought closed), ex-wife just ran up the bill a year later.
I forget my point I was making also
I will expand on my initial musings with "if you're not asked, don't tell; if you are asked, tell the truth"
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so he'd be booted for lying?
Originally posted by ladymuck View PostI did say different areas have different approaches. A credit check would have shown it up anyway, as part of their random check, so he'd be booted for lying and having a default. Not sure what your example illustrates?
When I was last at RBS I had to be re-checked because I had three consecutive weeks off (furlough + extra).
I forget my point I was making also
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