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Adverse credit checks
for employers


Make well-informed recruitment decisions with credit checks

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Adverse Credit

Once you’ve registered your organisation, you will be charged the individual check cost(s) on the system as and when you request them. No upfront minimums or contractual tie ins.

Number of checks1 - 500501 - 1,0001,001 +
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uCheck Facts: Adverse Credit
An Adverse Credit Check won't affect the applicant's credit score.

What is an Adverse Credit Check?

An Adverse Credit Check is a type of pre-employment screening check that employers can carry out on current or prospective employees.

It will reveal any serious adverse credit history the applicant has.

“My issue was resolved extremely promptly… in a cheery and friendly manner.”

They can be an invaluable part of the pre-employment screening process, enabling you to make more informed recruitment decisions. They’re especially useful for employees who will have access to cash, accounts or valuables.

Adverse Credit Checks are a great way to ease any potential worries over staff fraud or dishonesty. For example, an employee who is shown to be economically vulnerable could be more open to accepting bribes, which could put your organisation at risk.

Our simple online system can help streamline and shorten your pre-employment screening process. The dashboard shows the status of all applicants at a glance, and you’ll get an automatic alert as soon as a check is complete.

‘Adverse credit’ refers to any late or non-payment on a person’s credit history. The following types of adverse credit will show up on a financial probity check:

  • Individual Voluntary Arrangements (IVAs) – a formal agreement between you and your creditors that helps you repay what you can afford towards your debts.
  • County Court Judgements (CCJs) – an order from the County Court instructing you to repay a debt.
  • Bankruptcy – a legal proceeding involving a person or business that is unable to repay outstanding debts.

Will an Adverse Credit Check show the applicant's credit score?

No – an Adverse Credit Check is a pre-employment financial check, and will not check the applicant’s credit score. The report it generates is not the same as the credit reports that can be obtained by lenders, such as banks or credit card issuers.

How long do the results take, and how do I get them?

Our speedy online system means most Adverse Credit Checks are completed within five minutes.

You’ll be notified as soon as credit checking is complete, and the results will be available as a downloadable PDF.

Our HR Platform will provide a single report for any multi-checks you carry out, meaning all the information you need will be available at the click of a button.

How do I get started?

Just fill in the quick online registration form and you’ll have access to the system within four working hours.

Your applicants can then quickly and easily add themselves to the system, and their address details will be validated against a UK database.

You’ll be able to access the results in as little as five minutes, and we’ll also provide them as a downloadable PDF. Simple!

What do our clients say?

  • “We tried a few companies and came across uCheck. You are the fastest and most easy to use and your customer service is amazing”
  • “Our inspectors really like the report layout and information provided – it shows we have gone the extra mile”
  • “Running an adverse financial check can be quite daunting but uCheck’s client support team are always on hand to help throughout the process”

Any further questions?

Please use our LiveChat facility or give us a call on 0843 178 0818*

Adverse Credit FAQ

No – an employer cannot check a prospective employee’s credit score. Employers can pull a credit report, but the content won’t be the same as what lenders can see.

Yes – whilst the check can be requested on any prospective employee, you must always seek permission from the employee in question first. Our system requests consent from the applicant before processing a check, so it would be important to discuss this with your employees beforehand.

An Adverse Credit Check will provide you with more background information about an employee or prospective employee, giving you greater peace of mind about the people you’re hiring. Adverse Credit Checks are especially useful for employees whose role will include handling cash or valuables.

We would first suggest reviewing the information provided to ensure all details have been input correctly on the application form, as the results are provided based on these details. Adverse Credit Checks are cross-referenced with information held by credit referencing agencies, telephone databases and the electoral roll, so it’s important that your applicants update their details accordingly if they hold either a CCJ or IVA.

If you need further guidance, contact our client support team on 0843 178 0818.

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