can you get a call centre job if you are on a debt management plan as i have been trying and dont seem to be sucessful what does your credit rating have to do with it anyway

[lisajade8]

as i have applied for various call centre jobs and cant get one at all so does credit rating have to do with it ?

[milly143]

Are you trying to get a job with a financial institution? How do you know your credit raring is effecting anything?

[Zeuhl]

Have any of the employers who didn't take you on, cite credit rating as a reason?

[LoftyLottie]

Well my credit rating was never checked for employment purposes! I shouldn't think it is permissable anyway. What skills do you have and have you got a professional looking CD? And do you send a letter in with your CD as well - it really helps.

[mike11111]

It helps even more if you send in a CV with your CD☺

[LoftyLottie]

Is that true redhelen? It seems ludicrous to me. Surely the advice financial call centres give is as the employer dictates, not up to the adviser?

[LoftyLottie]

Oh dear Mike1111. LOL Whoops!

[mike11111]

I can confirm what Redhelen says. When a certain company withdrew its contract from the call centre I worked for, everyone was offered redeployment on other 'campaigns' which our company ran. One of them was a credit card company and those who failed a credit check were not allowed to be redeployed there. Although at the bottom of the food chain, operators do have access to people's accounts and there is scope for maladministration, not that it would go undetected for very long.

[milly143]

I've heard of that too Redhelen, which is why I asked if it was a financial company. I think the policy of checking a credit rating of an applicant for financial institutions has been common practice for years, so they reduce the risk of getting fiddled.

[Zeuhl]

the advice financial call centres give is heavily regulated by the fsa rather than dictated by the employer. In effect, since the mis-selling fiascoes, no real advice is given unless the operator is trained and qualified to a high level.

I'm not sure it's ethical, legal or sensible but some employers might use personal debt as a measure of reliability ie if they have found it to correlate with 'bad workers' in the past.

I think we need more info. Has this definitely been used as a deciding factor and what was the explanation given for its relevence. If there is such an explanation then you would need to provide contrary evidence about yourself to overcome the employer's prejudice.
.

[milly143]

I can understand it though, if you're in debt and realise that you can help yourself by diddling your company, perhaps for some people the temptation may be too strong. Maybe the banks have learnt from experience. Not that everyone in debt would do that of course.

[Zeuhl]

Interesting comments above.

Policy presupposes of course that effective fiddlers won't already have sorted out their own finances.

Historically, isn't it IT people with the best opportunities for skimming.
.

[milly143]

hhhmm, yes, I suppose you could probably find alot more recent stories of employees helping themselves when they are that last to actually need it.

I am very interested to know how the OP knows her credit rating is effecting her chance of employment though.

[lisajade8]

one was for a mobile phone campaign and the other was santander