Credit Check for Job
Feb 2nd 2006, 4:52 pm
#1
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Credit Check for Job
Hi
I just recently arrived in the US on a fiancee visa and moving over to perm resident. I have landed a job which they are now doing a background check.
Out of interest can US companies tap into UK credit checking facilities ?
I just recently arrived in the US on a fiancee visa and moving over to perm resident. I have landed a job which they are now doing a background check.
Out of interest can US companies tap into UK credit checking facilities ?
Feb 2nd 2006, 5:01 pm
#2
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Joined: Oct 2005
Location: Mid-West
Posts: 9,435
Re: Credit Check for Job
Originally Posted by evanio1978
Hi
I just recently arrived in the US on a fiancee visa and moving over to perm resident. I have landed a job which they are now doing a background check.
Out of interest can US companies tap into UK credit checking facilities ?
I just recently arrived in the US on a fiancee visa and moving over to perm resident. I have landed a job which they are now doing a background check.
Out of interest can US companies tap into UK credit checking facilities ?
Feb 2nd 2006, 5:06 pm
#3
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Joined: Apr 2005
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Re: Credit Check for Job
it's interesting - because in the US they search your credit by your SS number and only your SS Number. This distingushes you from anyone else.
But with the UK the system is so F'd Up they search by house / DOB and is no means an accruate science.
I remember when I applied for a loan and being denied credit at Natwest in the UK and walking into HSBC two months later with a change of address as I had moved and being given a good deal.
But with the UK the system is so F'd Up they search by house / DOB and is no means an accruate science.
I remember when I applied for a loan and being denied credit at Natwest in the UK and walking into HSBC two months later with a change of address as I had moved and being given a good deal.
Feb 2nd 2006, 5:11 pm
#4
Thinking about it
Joined: Oct 2005
Location: Mid-West
Posts: 9,435
Re: Credit Check for Job
Originally Posted by evanio1978
it's interesting - because in the US they search your credit by your SS number and only your SS Number. This distingushes you from anyone else.
But with the UK the system is so F'd Up they search by house / DOB and is no means an accruate science.
I remember when I applied for a loan and being denied credit at Natwest in the UK and walking into HSBC two months later with a change of address as I had moved and being given a good deal.
But with the UK the system is so F'd Up they search by house / DOB and is no means an accruate science.
I remember when I applied for a loan and being denied credit at Natwest in the UK and walking into HSBC two months later with a change of address as I had moved and being given a good deal.
Feb 2nd 2006, 5:14 pm
#5
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Re: Credit Check for Job
that's interesting Experian is over here.
Doing some quick research now on google it's shown the UK Government introduced the Data Protection Act which stops them sharing information with foreign entities (including credit history).
Doing some quick research now on google it's shown the UK Government introduced the Data Protection Act which stops them sharing information with foreign entities (including credit history).
Feb 2nd 2006, 5:16 pm
#6
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Re: Credit Check for Job
Originally Posted by evanio1978
that's interesting Experian is over here.
Doing some quick research now on google it's shown the UK Government introduced the Data Protection Act which stops them sharing information with foreign entities (including credit history).
Doing some quick research now on google it's shown the UK Government introduced the Data Protection Act which stops them sharing information with foreign entities (including credit history).
I wonder how the DP act would deal with experian pulling your uk file in the us ??
Feb 2nd 2006, 5:22 pm
#7
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Joined: Oct 2004
Location: The Big Apple
Posts: 1,834
Re: Credit Check for Job
Equifax and Eperian are both used extensively in the UK.
Data Protection Act (DPA) has specific exclusions around credit history reporting - for example if you request a report (you can buy them in UK as here) it will give you everyone at same address with same surname even without that persons permission and that is not a breach!
That said as no lending institutions over in the US take your UK credit history into account I think it is highly unlikely that they will use this info.
As already noted the US is SSN driven so they probably wouldn't be able to link you to your UK past!
Data Protection Act (DPA) has specific exclusions around credit history reporting - for example if you request a report (you can buy them in UK as here) it will give you everyone at same address with same surname even without that persons permission and that is not a breach!
That said as no lending institutions over in the US take your UK credit history into account I think it is highly unlikely that they will use this info.
As already noted the US is SSN driven so they probably wouldn't be able to link you to your UK past!
Feb 2nd 2006, 5:23 pm
#8
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Joined: May 2005
Location: USA
Posts: 1,865
Re: Credit Check for Job
Originally Posted by evanio1978
Hi
I just recently arrived in the US on a fiancee visa and moving over to perm resident. I have landed a job which they are now doing a background check.
Out of interest can US companies tap into UK credit checking facilities ?
I just recently arrived in the US on a fiancee visa and moving over to perm resident. I have landed a job which they are now doing a background check.
Out of interest can US companies tap into UK credit checking facilities ?
Feb 2nd 2006, 5:25 pm
#9
Septicity
Joined: May 2004
Posts: 23,762
Re: Credit Check for Job
Originally Posted by evanio1978
it's interesting - because in the US they search your credit by your SS number and only your SS Number.
Feb 2nd 2006, 5:29 pm
#10
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Joined: Apr 2005
Posts: 125
Re: Credit Check for Job
Came on hard times 4 years ago with a credit card. Ended up getting it sorted but record is not the best and is only repaired after 7 years. Not ashamed to hide it but also interested in the DP act.
