What is a Global Credit check?
Employment Credit Checks are a common background check used by employers to determine risk of applicants and employees. These checks can also be referred to as a Financial Probity Report and Adverse Financial Report.
Do false positives appear?
It is uncommon for a false positive to appear.
What identifiers are used?
Full name, date of birth and address history.
What's included in the search?
The information identified varies per country due to local regulation and access to information.
United Kingdom
These checks identify information from the past six years, including; current and previous addresses, electoral roll data, bankruptcies, Individual Voluntary Arrangements (IVAs), sequestrations and trust deeds (insolvency data), and County Court Judgments (CCJs). This is a soft credit check and will not affect your candidate's credit score.
Global
| Country Of Service | Components | Sources | Potential Candidate Footprint |
| Afghanistan | Financial Public Search | Da Afghanistan Bank (Central Bank of Afghanistan) | |
| Aland Islands | Bad Payment History | Asiakastieto | 12 month footprint, will not impact creditworthiness |
| Albania | Financial Public Search | National Business Center | |
| Algeria | Bad Payment History | Central Bank of Algeria & General Tax Directorate | |
| Andorra | Financial Public Search | Official Gazette of the Principality of Andorra | |
| Angola | Financial Public Search | Ministry of Finance (General Tax Administration) | |
| Argentina | Bad Payment History | NOSIS | |
| Armenia | Financial Public Search | Ministry of Internal Affairs | |
| Australia | Bad Payment History | Financial Databases, Court and Law Enforcement systems | |
| Austria | Bad Payment History | Bisnode Austria GmbH | Footprint left, will not impact creditworthiness |
| Azerbaijan | Adverse Financial | The Central Bank of the Republic of Azerbaijan - State Tax Service | |
| Bahamas | Adverse Financial | Courts and Tribunals of Bahamas | |
| Bangladesh | Financial Public Search | Supreme Court of Bangladesh | |
| Barbados | Financial Public Search | Office of Supervisor of Insolvency | |
| Belgium | Financial Public Search | National Association of Bailiffs | |
| Benin | Financial Public Search | General Directorate of Taxes of Benin | |
| Bermuda | Bad Payment History | Bermuda Credit Association | |
| Bolivia | Financial Public Search | Courts and Tribunals of Bolivia | |
| Brazil | Bad Payment History | SPC Brasil | |
| Brunei | Financial Public Search | State Judiciary Department of Brunei | |
| Bulgaria | Bad Payment History | Chamber of Private Enforcement Officers & Commercial Register & Non-Profit Organisations Register | |
| Burundi | Financial Public Search | Burundian Revenue Office | |
| Cambodia | Financial Public Search | Ministry of Commerce - Secured Transactions Filing Office | |
| Cameroon | Financial Public Search | Ministry of Finance of Cameroon - Directorate General of Taxation | |
| Canada | Bad Payment History | Credit reporting agencies | 6 year footprint, no impact on credit worthiness |
| Cape Verde | Financial Public Search | Ministry of Finance and Planning of Cape Verde | |
| Cayman Islands | Financial Public Search | Judicial Administration, Portfolio of Legal Affairs and Office of Director of Public Prosecutions | |
| Chile | Financial Public Search | Ministry of Economy, Development, and Tourism | |
| China | Bad Payment History | Banks and local courts | |
| Colombia | Financial Public Search | Registry of Secured Transactions (RGM) and Comptroller General of the Republic of Colombia | |
| Congo | Financial Public Search | Ministry of Finances and Budget | |
| Cook Islands | Adverse Financial | Cook Islands Ministry of Justice | |
| Costa Rica | Financial Public Search | Ministry of Finance of Costa Rica | |
| Croatia | Financial Public Search | Tax Administration of Croatia | |
| Cyprus | Financial Public Search | Ministry of Justice of Cyprus | |
| Czechia | Bad Payment History | Czech Banking Credit Bureau | |
| Denmark | Bad Payment History | Bisnode | |
| Djibouti | Financial Public Search | Central Bank of Djibouti | |
| Dominican Republic | Financial Public Search | General Directorate of Internal Taxes (DGII) | |
| Ecuador | Financial Public Search | Internal Revenue Service (SRI) | |
| Egypt | Adverse Financial | i-Score Credit Bureau | |
| El Salvador | Financial Public Search | National Registry Center (CNR) | |
| Estonia | Bad Payment History | Krediidiinfo | 12 month footprint, may impact creditworthiness |
| Ethiopia | Financial Public Search | National Bank of Ethiopia | |
| Faroe Islands | Bad Payment History | Bisnode AS | |
| Fiji | Financial Public Search | Fiji Personal Property Securities Registry | |
| Finland | Bad Payment History | Asiakastieto | May leave footprint for 12 months, does not impact creditworthiness |
| France | Financial Public Search | Official Bulletin of Civil and Commercial Announcements (BODACC) | |
| Georgia | Financial Public Search | National Bureau of Enforcement - Debtors' Register | |
| Germany | Bad Payment History | Creditreform Boniversum GmbH | |
| Ghana | Bad Payment History | XDS | 12 month footprint, may impact creditworthiness |
| Greece | Bad Payment History | Ministry of Justice | |
| Greenland | Bad Payment History | Bisnode A/S | |
| Guatemala | Financial Public Search | Superintendency of Tax Administration | |
| Guinea | Financial Public Search | Courts and Tribunals of Guinea | |
| Haiti | Financial Public Search | Ministry of Economy and Finance (General Management of Taxes) | |
| Honduras | Financial Public Search | Chamber of Commerce and Industry of Tegucigalpa (CCIT) | |
| Hungary | Financial Public Search | National Tax and Customs Administration | |
| Iceland | Adverse Financial | Internal Revenue Committee | |
| India | Bad Payment History | Financial Institutions of India | 12 month footprint, may impact creditworthiness |
| Indonesia | Financial Public Search | Supreme Court of Indonesia | |
| Ireland | Bad Payment History | Financial Institutions of Ireland | |
| Italy | Bad Payment History | Cerved Group | |
| Jersey | Financial Public Search | Jersey Financial Services Commission (Security Interests Register) | |
| Jordan | Financial Public Search | Ministry of Industry, Trade, and Supply of the Hashemite Kingdom of Jordan | |
| Kazakhstan | Financial Public Search | State Revenue Committee | |
| Kenya | Bad Payment History | Creditinfo Kenya | 1 year, will impact creditworthiness |
| Kyrgyzstan | Financial Public Search | Judicial Department under the Armed Forces of the Kyrgyz Republic | |
| Latvia | Financial Public Search | State Revenue Service | |
| Liberia | Financial Public Search | Collateral Registry of Liberia | |
| Liechtenstein | Financial Public Search | Official Journal of Liechtenstein | |
| Lithuania | Bad Payment History | UAB Creditinfo | |
| Luxembourg | Adverse Financial | Répertoire du Surendettement | |
| North Macedonia | Bad Payment History | MKB | 12 month footprint, will not impact creditworthiness |
| Madagascar | Financial Public Search | General Management of Taxes | |
| Malawi | Financial Public Search | Personal Property Security Registry | |
| Malaysia | Bad Payment History | Experian Malaysia | |
| Malta | Bad Payment History | Credit INFO | 6 month footprint, will not impact creditworthiness |
| Marshall Islands | Financial Public Search | Marshall Islands Secured Transactions Filing Office | |
| Mauritania | Financial Public Search | Judiciary of Mauritania | |
| Mauritius | Bad Payment History | General Office for Secured Loans Registrar | |
| Mayotte | Financial Public Search | Official Bulletin of Civil and Commercial Announcements (BODACC) | |
| Mexico | Bad Payment History | Circulo de credito | |
| Moldova | Financial Public Search | Courts and Tribunals of Moldova | |
| Montenegro | Financial Public Search | Revenue and Customs Administration | |
| Morocco | Financial Public Search | Ministry of Justice of the Kingdom of Morocco | |
| Mozambique | Financial Public Search | Moveable Property Collateral Registry | |
| Myanmar (Burma) | Financial Public Search | Courts and Tribunals of Myanmar | |
| Namibia | Adverse Financial | Courts and Tribunals Namibia | |
| Nepal | Financial Public Search | Courts of Nepal | |
| Netherlands | Bad Payment History | Credit and Trade Information Agency | Up to 7 years footprint, will not impact creditworthiness |
| New Caledonia | Financial Public Search | Official Bulletin of Civil and Commercial Announcements (BODACC) | |
| New Zealand | Bad Payment History | Credit Bureau Illion NZ (D&B) | |
| Nigeria | Bad Payment History | XDS Nigeria | |
| Norway | Bad Payment History | CIO Norway | |
| Palau | Financial Public Search | Financial Institutions Commission (Secured Transactions Filing Office) | |
| Panama | Financial Public Search | Ministry of Economy and Finances (General Directorate of Revenue) | |
| Papua New Guinea | Financial Public Search | Investment Promotion Authority (IPA) | |
| Peru | Bad Payment History | Superintendency of Banks and Insurances (SBS) | |
| Philippines | Financial Public Search | Courts and Tribunals of the Philippines | |
| Poland | Bad Payment History | BIG - InfoMonitor | 12 months footprint, will not impact creditworthiness |
| Portugal | Adverse Financial | Infotrust | |
| Romania | Adverse Financial | Courts and Tribunals | |
| Russia | Bad Payment History | Russian Standard Bank | |
| Rwanda | Bad Payment History | TransUnion Rwanda | |
| Samoa | Financial Public Search | Ministry of Commerce, Industry and Labour | |
| Saudi Arabia | Bad Payment History | Simah | |
| Senegal | Financial Public Search | Trade and Personal Property Credit Register (RCCM) | |
| Serbia | Bad Payment History | Credit bureau of Association of Serbian Banks | Footprint left, will not impact creditworthiness |
| Seychelles | Financial Public Search | Central Bank of Seychelles | |
| Sierra Leone | Financial Public Search | Sierra Leone Collateral Registry | |
| Singapore | Adverse Financial | Credit Bureau (Singapore) Pte Ltd | |
| Slovakia | Financial Public Search | Ministry of Justice | |
| Slovenia | Financial Public Search | Slovenian Business Register - AJPES | |
| Solomon Islands | Financial Public Search | Secured Transactions Filing Office | |
| South Africa | Bad Payment History | XDS, Experian, TransUnion | 12 months footprint, will impact creditworthiness |
| Spain | Adverse Financial | Ibercheck Soluciones, S L | |
| Sri Lanka | Financial Public Search | Courts and Tribunals of Sri Lanka | |
| Sweden | Bad Payment History | UC AB | 12 months footprint, may impact creditworthiness |
| Switzerland | Bad Payment History | Bisnode D&B Schweiz AG | |
| Taiwan | Financial Public Search | Courts and Tribunals of Taiwan | |
| Tajikistan | Financial Public Search | Unified State Register of Mortgage Obligations | |
| Tonga | Financial Public Search | Ministry of Commerce, Tourism and Labour | |
| Trinidad and Tobago | Financial Public Search | The Judiciary of Trinidad and Tobago | |
| Tunisia | Financial Public Search | Ministry of Finance of Tunisia | |
| Turkey | Adverse Financial | National Judicial Informatics System | |
| Uganda | Financial Public Search | Uganda Registration Services Bureau (URSB) | |
| Uruguay | Financial Public Search | Credit Risk Center (BCU) | |
| Uzbekistan | Financial Public Search | Ministry of Internal Affairs of the Republic of Uzbekistan | |
| Vanuatu | Financial Public Search | Personal Property Securities Registry | |
| Venezuela | Bad Payment History | Credit Information Bureau | Footprint left, will not impact creditworthiness |
| Vietnam | Financial Public Search | Ministry of Finance of Vietnam (General Department of Taxation) | |
| Zambia | Financial Public Search | PACRA (Patent and Companies Registration Agency) | |
| Zimbabwe | Bad Payment History | XDS Zimbabwe | 12 months footprint, may impact creditworthiness |
| Cote d'ivoire (Ivory Coast) | Financial Public Search | Directorate General of Taxation of the Republic of Côte d'Ivoire | |
| Isle of Man | Bad Payment History | Experian UK | |
| Saint Barthelemy | Financial Public Search | Official Bulletin of Civil and Commercial Announcements (BODACC) | |
| Saint Pierre and Miquelon | Financial Public Search | Official Bulletin of Civil and Commercial Announcements (BODACC) | |
| United Arab Emirates | Adverse Financial | Ministry of interior | |
| Wallis and Futuna | Financial Public Search | Official Bulletin of Civil and Commercial Announcements (BODACC) | |
| Reunion | Financial Public Search | Official Bulletin of Civil and Commercial Announcements (BODACC) | |
| Martinique | Financial Public Search | Official Bulletin of Civil and Commercial Announcements (BODACC) | |
| Guadeloupe | Financial Public Search | Official Bulletin of Civil and Commercial Announcements (BODACC) | |
| French Polynesia | Financial Public Search | Official Bulletin of Civil and Commercial Announcements (BODACC) |