Credit Checks

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

Credit checks provide 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 employment screening process, particularly if the employee will have access to cash, accounts or valuables.

By performing a Credit reference check, employers gain peace of mind over concerns such as staff fraud by determining if a candidate is economically vulnerable. Vetting.com facilitates online credit checks on our automated, cloud-based platform, which provides a simplified, streamlined workflow for employers and applicants. Credit history check results are received from the credit reporting body within five minutes of an applicant submitting their information.

Top Credit Check FAQ

What will a Credit check show?

A Credit check will show the following:

Bankruptcy – a legal proceeding involving a person/company that has been unable to repay outstanding debts
Individual Voluntary Arrangements (IVAs) - a formal agreement between a person and their creditors that helps to repay debts based on what the person can afford
County Court Judgements (CCJs) - an order from the County Court instructing a person to repay a debt
Other court and insolvency actions such as DROs and Debt Advice Schemes
Full Electoral Roll matches
Notice of Corrections / Discharges
Previous Searches

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 issues on their credit file. 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 Credit check results and how do I view them?

Vetting.com will return the results of an online credit check within five minutes.

COMPLETION TIME: IMMEDIATE

COVERAGE: UK

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.

Sneak Peek

Credit Check Candidate Flow — Candidate Flow

Credit Check Sample Report — Sample Report

Our Platform

Built for humans

Crystal clear self-managed user interfaces with automation

Status at a glance

View and filter checks on our candidate dashboard

Full detail

See all the data about your check and it's progression

See More Of Our Platform

Tailored packages

Compile multiple settings & checks into a package

Simplified workflow

Mobile optimised candidate & referee workflows

Global support

Always available global support team, contactable by phone

Why use VETTING.com?

Further Credit Check FAQ

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 any Court and Insolvency information available, 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 reference check, employers gain peace of mind over concerns such as staff fraud by determining if a candidate is economically vulnerable.

What information do I see once a Credit ID  check is completed? 

Once a Credit ID check is completed, you will receive the following information:

Linked addresses and alias names
Confirmation the candidate is on the Electoral Roll
Summary of Court and Insolvency information
Home phone number check
DOB checks against Electoral Roll and Credit Information
HALOs Deceased list check
If the candidate has no court or insolvency, you will be told that no such information is present.

Will a Credit or Credit ID check impact a candidate's credit score?

No. Asking your candidate to perform a  Credit or Credit ID  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.