Keeping track of your credit report is essential to ensure you remain creditworthy at all times. Like we check our bills and bank statements every month, looking at your credit report and ensuring things are on track will help to get the best deals for credit cards, mortgages and loans etc. We look at some of the main factors to…
If you are facing bankruptcy, having a CCJ or default showing on the credit report it will impact the credit score considerably. We look at these issues in this blog and how they can be handled. Bankruptcy A person is considered legally bankrupt when they are no longer able to repay their debts. When a person declares bankruptcy, they are…
If you intend to apply for credit you need to ensure that your credit score is in ship-shape as that is what banks and lenders look at first before deciding to give credit. For an individual to be eligible for the best offers have a robust credit score is paramount. In this blog we look at what constitutes a good…
Not many credit card users are aware that their credit utilisation has a considerable influence on their credit score. If you have multiple credit cards that have their credit limit mostly used it reflects that you are not able to manage your finances and will negatively affect the credit score. However, if you use the credit limit prudently i.e., just…
Recruiting workers from outside the UK has become harder since Brexit, but employers with skilled jobs are still looking for the best talent around the globe to fill vacancies. Despite this, a recent survey has shown that around half of the members of staff arriving from overseas have no background vetting at all, compared with three quarters of staff from…
Although background screening or pre-employment checking are commonly used terms in private sector companies, governments and security jobs will often use the term vetting instead. In October 2020 the UK government issued new guidance, designed to let both applicants and recruiters within government know a bit more about the security vetting process. Security vetting is all about minimising risks in…
There’s no shortage of jokes about lying on your CV, and the reason why most of us chuckle when we hear them is because we all know someone who’s inflated their GCSE grades or exaggerated their experience. It’s seen as fair game to embellish your CV, as long as it gets you the job. Employers know it goes on though,…
Security clearance can mean a lot of different things, but in the UK is generally used when dealing with jobs in defence and national security. These jobs are sensitive in nature and could involve being privy to secret information or national secrets. People employed to work in the Army, or in the control room of a nuclear power station have…
Every company will have its own approach to how they check up on people who are applying for jobs within their organisation. There are only a few situations in which employers have a legal obligation to screen candidates before hiring, so companies are free to make their own decisions about how to approach screening. The key concept which should be…
It sounds like a riddle – when is a job offer not a job offer? Employers are increasingly carrying out a wide range of screening tests on staff before employing them, and it’s standard to make any job offer conditional on passing whatever tests the employer wishes to put in place. Most often, these conditional offers are associated with criminal…
