21/09/2026
“We looked at financial checks but decided against damaging candidates’ credit.”
Fair concern. Wrong premise.
It's a common misunderstanding but, to be clear, an Adverse Financial Check is not a credit check.
A consumer credit check is what a lender runs. It shows a full credit history, open accounts, borrowing and a credit score. It’s often a hard search, it’s visible to other lenders, and it can affect the person’s ability to borrow.
An Adverse Financial Check is a soft search of public records. It shows CCJs, IVAs, Debt Relief Orders, bankruptcies and insolvencies. There’s no credit score in it. It leaves no hard-search footprint for lenders to see. It cannot affect their borrowing.
If the credit-file concern is the only thing that stopped you, there's no reason to worry!
If you're interested in implementing a more comprehensive screening package for your hires, and think Adverse Financial information would be useful, get in touch!
You can get more info here -> https://eu1.hubs.ly/H0yrsHv0
Or better yet, just give us a call on 01254 355688