Credit checks???
5kings
10th March 2009, 08:39 PM
Hi
Just wondering if potential employers/immigration would want to do credit checks? Obviously companies lending money would, but we will eventually rent not mortgage, and we don't do credit cards anymore.
We have a bad credit rating here (UK) although we are paying things off with agreed repayments, I know for a fact our credit rating is total pants. (No CCJs or mortgage/secured loan arrears though!)
I am just starting to worry that previous stupidity with money and arrears mainly triggered by huge tax credit overpayment needing to be paid back, have buggered up our credit rating. Would hate to think this could ruin our NZ dream, as if we do move over we can clear it all with the house sale money, so would be debt free, but with a bad record.
Any advice/ reassurance welcome!
Helen
shakyle2906
10th March 2009, 09:17 PM
HI Helen
No, i am sure they wont
Sharon
x
Scotty69
10th March 2009, 09:36 PM
No credit checks you can relax :D
victoria24
10th March 2009, 09:59 PM
i think mine was only as my future employer is a bank. bear in mind that NZ'ers wouldnt really understand a UK check as NZ only uses negative reporting.
IanW99
10th March 2009, 10:43 PM
No credit checks you can relax :D
Sure you didn't mean no credit checks, just not checked with overseas agencies.
They will still perform a credit check within NZ for any loans etc, but as the OP won't have any credit history in NZ they shouldn't have any problems (well none of the credit history variety anyway).
Ian
urban78
10th March 2009, 10:49 PM
i think mine was only as my future employer is a bank.
I don't work in the banking sector but was subject to a NZ credit check by my current employer.
NanMan
12th March 2009, 02:08 AM
Hi
I am just starting to worry that previous stupidity with money and arrears mainly triggered by huge tax credit overpayment needing to be paid back, have buggered up our credit rating. Would hate to think this could ruin our NZ dream, as if we do move over we can clear it all with the house sale money, so would be debt free, but with a bad record.
Any advice/ reassurance welcome!
Helen
Wow helen I am in the exact same circumstance, and since we weren't very far along in the process I didn't even think to ask this. Our Credit rating is garbage as well, due to a mixture of ignorance and stupidity. But we are working our way out of all of this as well. Though the funny thing is we have to pay everything off before we head to NZ, because the currency rate is so crazy that we would never be able to pay them off. But its ok cause we are almost there, best of luck to you.
victoria24
12th March 2009, 03:02 AM
Wow helen I am in the exact same circumstance, and since we weren't very far along in the process I didn't even think to ask this. Our Credit rating is garbage as well, due to a mixture of ignorance and stupidity. But we are working our way out of all of this as well. Though the funny thing is we have to pay everything off before we head to NZ, because the currency rate is so crazy that we would never be able to pay them off. But its ok cause we are almost there, best of luck to you.
INZ dont check your credit, it appears certain employers do. as ian rightly pointed out, once you're in nz with pr, they should only do an nz credit check which will be fine anyway.
Scotty69
12th March 2009, 09:42 AM
I have applied for a job with ENZ bank and they informed me that they will do a credit check BUT as we are in NZ it will only be in NZ :D
BigRod
12th March 2009, 10:10 AM
I have applied for a job with ENZ bank and they informed me that they will do a credit check BUT as we are in NZ it will only be in NZ :D
WOW! ENZ have a bank now! :)
... only kidding; I know you meant ANZ.
victoria24
12th March 2009, 10:14 AM
actually its BNZ!!! i am going mental...
Scotty69
12th March 2009, 10:17 AM
Sorry i did mean to type ANZ :o silly old me eh!:laugh
Natasha
Ellie&Ris
18th April 2009, 08:00 PM
Have not heard anything about credit checks so far..we are in the same boat-but moved to nz and then realised that we can't afford to send our repayments home!..going home to Irl in June to plead with the banks!!!..
Only had one job application with request for credit check on it- i think that was for Placemakers..needless to say i didn't apply!..Good luck and if you knock across any credit checks along the way-let us all know.. i'm sure we are not the only ones in this horrible situation!
