Skip to content

Credit Check

What is a credit check?

A credit check is when a company looks at information from your credit report to understand your financial behaviour.

Included within a credit check

Address Confirmation

Address Confirmation is the process of verifying your candidates’ address to further verify a candidate’s identity and their right to work. Address details are a significant part of personal information and can confirm to a person’s identity.

Bankruptcies & Insolvencies Check

A bankruptcy and Insolvency check is a wide search and check of the financial solvency and credit history of an individual. These checks provide information about the financial viability of the individual, including whether they have been declared bankrupt or insolvent in the past, or had any major credit issues. These checks can therefore offer insight into the way that this individual manages their finances to inform you in making your decision during the hiring process.

County Court Judgement Check

A County Court Judgement (CCJ) is a court order that is sometimes issued against a borrower who is unable to repay their debts. It is one method that creditors can use to try and recoup money from someone who has failed to pay back a loan.

We carry out a CCJ Check via a trusted database search in order to view any active or satisfied CCJ’s within the candidates record.

International Credit Checks

The Background Checker is able to offer International Credit Checks or Financial Probity Checks whilst constantly checking all 192 countries data laws and Criminal Check processes.

The process, turnaround time and costs will vary from each country. For more information on International Credit Checks or Financial Probity checks please contact us.

Why do you need to this check?

A credit check can be used as a verification of a candidates financial responsibility alongside confirmation of reliability in the information they provide. This in turn can mitigate potential financial risk to your organisation, somebody who is in serious financial trouble may be more inclined to take risk or steal from your organisation.