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Aspiring Lawyers - Applications & General Advice
Applications Discussion
TCLA Vacation Scheme Applications Discussion Thread 2023-24
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<blockquote data-quote="bangarangbass39" data-source="post: 174406" data-attributes="member: 30928"><p>Its only on major things like credit cards, student overdrafts etc. If you go over the limit or don't pay it on time then it could go on your credit report. Depnding on how serious it is and how long for. Defaults are when you don't pay back on a credit arrangement for more than 3months or have not set up an arrangement to pay back. They write off your debt to a collecting agency where then you'll have to set up an arrangement to pay back. It's isn't ideal but it happens in adverse situations for some people.</p><p></p><p>Firms access this through credit rating agencies like Equifax, Experian, Clear Score, who access your credit report from files made by various parties like your bank, etc. To see this they'll do a soft credit report to see what comes up. You can make a soft credit check too. It doesn't dock you points/affect your credit.</p><p></p><p>However, this (a soft credit check) does depend on the role. For solicitors, bankers, police officers, etc. they will do a soft credit check. For other roles I don't think so. Especially for internships I don't think they do. Essentially, the more serious and financial the role, the more likely a soft check on your credit report will take place.</p><p></p><p>If its missing spotify payments, netflix, etc then that isn't an issue, it won't show up lol.</p></blockquote><p></p>
[QUOTE="bangarangbass39, post: 174406, member: 30928"] Its only on major things like credit cards, student overdrafts etc. If you go over the limit or don't pay it on time then it could go on your credit report. Depnding on how serious it is and how long for. Defaults are when you don't pay back on a credit arrangement for more than 3months or have not set up an arrangement to pay back. They write off your debt to a collecting agency where then you'll have to set up an arrangement to pay back. It's isn't ideal but it happens in adverse situations for some people. Firms access this through credit rating agencies like Equifax, Experian, Clear Score, who access your credit report from files made by various parties like your bank, etc. To see this they'll do a soft credit report to see what comes up. You can make a soft credit check too. It doesn't dock you points/affect your credit. However, this (a soft credit check) does depend on the role. For solicitors, bankers, police officers, etc. they will do a soft credit check. For other roles I don't think so. Especially for internships I don't think they do. Essentially, the more serious and financial the role, the more likely a soft check on your credit report will take place. If its missing spotify payments, netflix, etc then that isn't an issue, it won't show up lol. [/QUOTE]
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Aspiring Lawyers - Applications & General Advice
Applications Discussion
TCLA Vacation Scheme Applications Discussion Thread 2023-24
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