Hi steve12.

Any employer is free to use the information that they find in accordance with their own selection criteria and policies. We cannot therefore really say how any individual employer would view your credit status in terms of your employability.

Your debts and any arrears will show up on your credit file.

Being in the process of looking at the possibility of a protected trust deed or a bankruptcy will not show up on your credit file.

Actually going ahead with either of these options will show up on your credit file.

What industry are you looking for employment in?

I would suggest you refer to the Terms & Conditions post employment as a matter of course when deciding any actions in relation to resolving debt issues. On the matter of pre-employment it would be hard to answer the question as no awareness of the HR policy of the firm(s) involved and how they would obtain such information.

Hello , Thank you both for your answers, the employment i was considering applying for would be based at banking call centre.

Hi steve12.

I can remember a couple of recent threads on the forum regarding the same industry.

One person, who was already in a trust deed, was rejected for one banking call centre job but was soon afterwards offered another.

Another person, who was already in a trust deed, was offered a permanent position having been working in the same bank call centre on a temporary basis for some time (without previously having had a credit check).

As Chris has said, you'll want to be careful about any formal insolvency process once you have that employment. Check your contract of employment, and perhaps speak with a union or HR representative if it looks like these processes could cause contractual issues for you.