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Employee Credit Check Questions

Employee Credit Check Questions

EC1.  What information does the Employee Credit Check provide?

The Employee Credit Check is a UK financial check and provides information on:

  1. Public Information:  This summarises public information held about the individual including Insolvency records and Court Judgments recorded against the Your candidates at all of the addresses entered within the search; specifically:
    • Bankruptcies and Insolvencies (BAI)  
    • County Court Judgements (CCJ)
    • The information will include decrees, sequestrations, trust deeds, IVAs, bankruptcies, debt relief orders and CCJ records for the last six years. The section details how many judgements are active or have been satisfied/discharged.
  2. Credit Search History:  Our Employee Credit Check details of the number of credit searches over three month and twelve month periods. High levels of credit searches or a sudden high level of credit searches could indicate a high level of existing debt and/or a sudden requirement for debt.
  3. Undeclared Links:
    • Number of Undeclared Addresses
    • Number of Undeclared Aliases (aliases/other names by which the Your candidates is known by (i.e maiden name)).
  4. Notice(s) of correction:  Individuals have the option to correct or dispute information contained in their credit file.  Or Employee Credit Check summarizes whether there are any corrections or notices.  You should discuss any corrections or disputes with the Your candidates, if they appear on the report.
  5. Residency Confirmation
  6. Electoral Roll registration history (edited version)
  7. and a Credit Score comparing your candidate with the UK population as a whole (please note, this check does not affect your candidates credit score)

                EC2.  Does an Employee Credit check effect my candidate’s credit score?

                No, this type of check is not used in calculating credit scores.

                However, it does leave a 'footprint' on your candidates credit file.  

                This is a legal requirement and is only visible to the individual (the candidate) on their credit file.  

                The footprint is not seen by any other companies and therefore is not taken into account when assessing the candidate for future credit requests.

                EC3.  Can we (the employer) see details of the candidate’s credit accounts, payments and outstanding balances?

                No, this type of information is not available for the purpose of employment screening.

                The report provides informaiton on:

                • County Court Judgments (CCJs), 
                • Bankruptcies and Insolvencies (BAI) including sequestrations, trust deeds, IVAs, bankruptcies, debt relief orders and CCJ records for the last six years; 
                • Credit Search History, 
                • Number of Undeclared Addresses, 
                • Number of Undeclared Aliases, 
                • Notice(s) of correction 
                • Residency Confirmation and
                • the Electoral Roll registration history (edited version)
                • and a Credit Score comparing your candidate with the UK population as a whole (please note, this check does not affect your candidates credit score)

                EC4.  My candidate says he/she is registered on the electoral register but the report say they are not?

                There are 2 versions of the electoral role https://www.gov.uk/electoral-register.

                Only the edited version is used for employment screening and your candidate may have opted out of this version.

                Our Employee Credit Check uses the edited version of the Electoral Roll, so if your candidate has chosen to opt out of being listed on it, as is their right, our report will state that they are NOT on the Electoral Roll.

                If your candidate has registered to vote and their credit report does not show this, please advise them to contact the credit reference agency that we use to run the search.  This is: Experian:  http://www.experian.co.uk/consumer/contact-us/index.html

                Please note that registration for the Electoral Roll is conducted in August each year, but our register may not be updated until the end of April in the following year.  

                If your candidate has not registered to vote, they may want to contact their local authority about filling in an electoral registration form.

                If your candidate moves home they can tell their local authority who will tell credit reference agencies about their change of registration in the course of the year.

                EC5.  My candidate claims the report is inaccurate what should they do?

                The Electoral Roll.

                There are 2 version of the electoral role https://www.gov.uk/electoral-register   Only the edited version is used for employment screening and your candidate may have opted out of this version.

                Our Employee Credit Check uses the edited version of the Electoral Roll, so if your candidate has chosen to opt out of being listed on it, as is their right, our report will state that they are NOT on the Electoral Roll.

                If your candidate has registered to vote and their credit report does not show this, please advise them to contact the credit reference agency that we use to run the search. This is: Experian:  http://www.experian.co.uk/consumer/contact-us/index.html.

                Please note that registration for the Electoral Roll is conducted in August each year, but our register may not be updated until the end of April in the following year.  

                If your candidate has not registered to vote, they may want to contact their local authority about filling in an electoral registration form.

                If your candidate moves home they can tell their local authority who will tell credit reference agencies about their change of registration in the course of the year.


                Court Judgements:

                If your candidate believes a county court judgment has been recorded incorrectly, they should contact the county court, quoting the case number included on their report.

                If the judgment was recorded incorrectly the county court will alter their records.

                Credit reference agencies are told about any such changes within four weeks, but if your candidate gives them original court documents, in the form of a Certificate of Satisfaction or Cancellation, they may be able to change their records sooner.

                If your candidate has paid a Scottish Decree, they should send the Registry Trust (address below) a receipt or a letter from their creditor (known as the pursuer) to confirm their payment.

                If your candidate writes to the Registry Trust Ltd questioning the accuracy of a judgment recorded on their report, asking for an entry to be changed.  The Registry Trust Ltd will then tell the credit reference agencies about any change to your candidate's report.  Please note:  The Registry Trust Ltd will charge a fee.  We recommend your candidate contacts the Registry Trust Ltd to confirm the fee amount.

                Registry Trust Ltd, 173-175 Cleveland Street, London W1P 5PE.

                For judgments made in Northern Ireland; if your candidate provides documents from a plaintiff to confirm a payment, the agencies will change their records.


                If your candidate has any questions about the accuracy of a judgment recorded on their report, they need to contact the court concerned.

                 

                Bankruptcies: 

                If a bankruptcy order against your candidate is annulled (cancelled) or discharged (that is, they have met all terms), your candidate should send a copy of the Annulment Certificate or Order of Discharge to the credit reference agency that we use to run the search (This is: Experian:  http://www.experian.co.uk/consumer/contact-us/index.html).  They will then update their records.

                If your candidate's bankruptcy has been annulled, they should completely remove any record of it from your report.

                If your candidate's bankruptcy has been discharged a record of it will be kept on your report but it will show that it has been discharged.

                 

                Voluntary arrangements:

                If your candidate has any questions about a record of a voluntary arrangement they should contact the supervisor who dealt with their case. If they send documents to Experian:  http://www.experian.co.uk/consumer/contact-us/index.html from the supervisor to confirm that the information on their report needs to be changed, CallCredit Limited will change their records.

                 

                Linked addresses:

                Links between your candidate's previous addresses, or any addresses they may use for correspondence, may be listed on their credit report. The link will only be broken when the credit reference agencies are asked to do so by the organisation that created the link.

                 

                Aliases:

                Because our site is third party data compliant, we screen out County Court Judgement (CCJ) records that do not exactly match the details your candidate has provided; for example a CCJ for Jenny Smith recorded in the name of J Smith at the same address would not be listed by us.

                If there are any names shown on your candidate's credit report that they have never used, they should contact the company listed as providing the other name, or contact Experian:  http://www.experian.co.uk/consumer/contact-us/index.html, the credit reference agency (address below) and they will investigate the matter and make any necessary changes to your candidate's report.

                 

                If your candidate believes any information returned on the employee credit check is inaccurate they can contact Experian:  http://www.experian.co.uk/consumer/contact-us/index.html for advice on how to amend it.

                EC6.  Can I see a sample Employee Credit Check report?

                Yes, you can view/download a sample Employee Credit Check report by clicking on the butotn below:

                EC7.  We (the employer) are not a Financial Services organisation, can we still obtain Employee Credit checks?

                An Employee Credit Check should only be obtained if it is relevant to a candidates job or work role

                However Employee Credit Checks are not exclusive to financial services sector.  

                For many relevant roles a ‘financial soundness’ check can help you assess the integrity and good character of a candidate. 

                Your Organisation has valuable assets, stock and equipment, intellectual property, customer data, which you cannot risk being compromised, stolen or sold to fraudsters or competitors.

                By including data from Employee Credit Checks in your risk assessment of each employee this will enable better recruitment decision’s so the likelihood of such situations can be prevented or greatly reduced.


                EC8.  The Employee Credit Check uncovered that my candidate has a County Court Judgement, what should we do?

                Talk to your candidate about the circumstances that led to the court judgement.

                For some individuals there will have been mitigating circumstances such as losing their job, serious illness or family problems and others may be able to demonstrate steps they have taken to avoid further judgements in the future.

                This additional information will enable you to make a suitability decision regarding your candidate.

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                The information provided on our website is for guidance only and should not be considered as a substitute for legal advice.

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