Individual Credit checks are often viewed as an essential part of pre-employment screening and tend to be requested for the majority of background screening packages. Credit checks are an essential element of the employee screening in several pre-employment screening standards such as BS7858 and FCA level screening.  

Clearly a financial background / credit check is particularly important for positions where individuals have access to financial information, funds or assets, which provide greater opportunities for fraud or theft. Checking the financial integrity and credit (where lawful) of individuals can provide useful insights into their financial background and responsibility, help reduce the risk of fraud and theft to client organisations and provide a view into the individual’s history of meeting financial obligations. 

At the most basic level the Inkerman Screening credit checks conducted include bankruptcy, insolvency and CCJ checks; address verification, search for undeclared addresses and Electoral Roll confirmation can also be included. 

The credit check conducted searches public records to verify whether an individual has any negative financial information held against them such as IVAs (individual voluntary arrangements), CCJs (county court judgements) and / or bankruptcy.