Credit Checks offers Credit checks to help employers assess a candidate's financial background and thus their potential risks to a business.

Hopefully we can answer all of your Credit check questions below, but if you have any other questions, please feel free to contact us.

What is a Credit check?

A Credit check provides additional detail about credit reporting information, as well as previous searches done on the candidate. The check reveals any serious adverse credit history a candidate has and can be an invaluable part of the pre-employment screening process, particularly if the employee will have access to cash, accounts or valuables. By performing a Credit check, employers gain peace of mind over concerns such as staff fraud by determining if a candidate is economically vulnerable.

What will a Credit check show?

A Credit check will include the following information:

  • The individual's details, like name and date of birth
  • Any judgements held against the individual
  • Summons relating to the individual with accompanying information
  • Public record notices and related details pertaining to them
  • Bankruptcies filed, including but not limited to the number of bankruptcies, the reference number, the date of the declaration, and any related comments
  • Directorship positions, including but not limited to the number of directorships held, details about the company the individual was a director of, and dates of appointment and dissolution
Will a Credit check impact a candidate's credit score?

No. Asking your candidate to perform a Credit check does not affect their credit score as it is done through the employment vetting search category and therefore leaves a 'soft footprint' on the candidate’s report. This 'soft footprint' can only be seen by the candidate and is not used by organisations making lending decisions or in the calculation of a credit score.

What information is provided in a Credit check? 

A Credit check provides information from a candidate’s credit report. This includes a summary of court and insolvency data, such as bankruptcies and other sources confirming ID. Credit checks automatically search for alias names and linked addresses for candidates, even if this information is not provided by the candidate.

The Credit check returned court and insolvency data for my candidate – what do I do?

The first thing we recommend for you to do is to speak with your candidate about the circumstances surrounding this data. It is important to understand if your candidate suffered from any loss, illness or family problems which resulted in these issues. If this is not the case for your candidate, they may be able to explain the steps they have taken to avoid these issues in the future. By asking your candidate for more information, you will be able to assess if they pose any risks to your business and whether they are suitable for the role they have applied for.

How long does it take to get the results and how do I view them? will return the results within five minutes.


COVERAGE: Australia

Our platform provides the option of a single or multi check report for all checks that you carry out. All the information you need is available to read and save at the click of a button.

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