Why do I need a clear credit record?
Having been in the industry for sometime now, I have been asked on numerious occassions what the relevance is to a clear credit record vs the skills to do the advertised post.
Simply put, agencies are bound by SLA (service level agreements) with their clients and if candidates with a clear credit history was requested then the agency is bound to adhere to this request. More than often the reason for requesting a clear credit record is that the position allows direct contact with finaces and the client does not want the employee to be tempted to take what is not his/hers if they get to a desperate point in their financial situation.
Other than this most clients are willing to look at candidates with credit records if it was a study loan or if the candidate is under debt review or has put a written payment plan in place, as this shows the client that the candidate is taking responsibility.
Be honest with yourself, if you were looking to hire someone, would you not be concerned if they had 5 different clothing accounts and each of these accounts had high balances and the candidate was only earnning R4000 a month? Yes granted we were all young at one stage and made errors but even so, we should be able to put methods in place to try to resolve the matter. Luckily the NCA has come along and hopefully our current youth will not end up in this situation.
So if you are in a situation where you have been listed, contact your creditor and put a written payment plan in place this will immensly increase your chances of securing employment. Good luck finding your dream career!
Simply put, agencies are bound by SLA (service level agreements) with their clients and if candidates with a clear credit history was requested then the agency is bound to adhere to this request. More than often the reason for requesting a clear credit record is that the position allows direct contact with finaces and the client does not want the employee to be tempted to take what is not his/hers if they get to a desperate point in their financial situation.
Other than this most clients are willing to look at candidates with credit records if it was a study loan or if the candidate is under debt review or has put a written payment plan in place, as this shows the client that the candidate is taking responsibility.
Be honest with yourself, if you were looking to hire someone, would you not be concerned if they had 5 different clothing accounts and each of these accounts had high balances and the candidate was only earnning R4000 a month? Yes granted we were all young at one stage and made errors but even so, we should be able to put methods in place to try to resolve the matter. Luckily the NCA has come along and hopefully our current youth will not end up in this situation.
So if you are in a situation where you have been listed, contact your creditor and put a written payment plan in place this will immensly increase your chances of securing employment. Good luck finding your dream career!
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