Credit history checks for regulated and finance roles
Verify the financial soundness of candidates in finance, accountancy, and money-handling roles. A 5-year credit history check covering CCJs, insolvency, and arrears — part of any SMCR-compliant screening package.
What is a credit history check?
A credit history check reviews a candidate's financial record over the past 5 years. It is used to assess financial responsibility, identify undisclosed financial difficulties, and identify risk for roles involving access to money, client assets, or financial systems.
It is a standard part of pre-employment screening for financial services firms (FCA hiring standard under SMCR), banks, asset managers, insurance firms, and any position with access to client funds, payroll, or significant financial authority.
Finance and money-handling roles
- ✓FCA-regulated firms screening SMF holders and Certification Function staff
- ✓Accountancy firms screening senior hires
- ✓Payroll managers and finance controllers
- ✓Senior operations or treasury roles in any sector
5-year financial record
- ✓County Court Judgments (CCJs) — unsatisfied or satisfied
- ✓Individual Voluntary Arrangements (IVAs)
- ✓Bankruptcies and discharged bankruptcies
- ✓Defaults and arrears on credit accounts
- ✓Active credit accounts (type, balance history, payment conduct)
- ✓Address history cross-reference
Up and running in days, not months
Define your package
Choose checks by role — Senior Manager, Certified Person, or a custom package for your firm.
Invite your candidate
Candidate receives a secure link to the InfoVetted portal, which displays your company name. They submit the required information and documents digitally — no paperwork.
Checks run automatically
No manual chasing. Real-time status updates as each check completes across our provider network.
Audit-ready report
FCA-examination-ready results stored securely with a full audit trail in your portal.
Frequently asked questions
Does a CCJ automatically disqualify a candidate?
Not automatically — the hiring decision is yours. A single satisfied CCJ from several years ago is treated differently from multiple recent defaults. InfoVetted returns the data; your compliance or HR team makes the suitability assessment.
Can I run a credit check without the candidate knowing?
No. UK law (UK GDPR, Consumer Credit Act) requires candidate consent for employment-related credit checks. InfoVetted's invitation process collects this consent before the check runs.
Is a credit check appropriate for all roles?
No. You should only request a credit history check where there is a legitimate reason related to the role — typically financial responsibility or regulatory requirement.
Simple, transparent pricing
Credit History checks are available on Pay as You Go and above. Per-check pricing is available inside your dashboard after sign-up.
Often run alongside this check
Ready to meet your SMCR obligations?
Speak to our compliance screening team and we'll build a package tailored to your firm's FCA requirements.