Creditworthiness examined by data supplier Focum
The data that Focum uses in a creditworthiness check is mainly obtained through public sources. In addition, the Focum checks relevant information from courts, bailiffs, and debt collection agencies. Webshops can also be consulted.
When the creditworthiness is assessed, Focum checks, among other things, whether a (potential) employee has payment arrears. The exact details, such as the amount, will not be shared. In addition to the check on current payment issues, it is also examined whether a (potential) employee or tenant is listed in the guardianship and insolvency register. Finally, potential companies are inspected by name.
A Credit check does not inspect a BKR registration
A credit check is not the same as checking the BKR register. Focum screens the essential credit information, consequently no specific details about payments are shared. If there is a specific need for a BKR registration check, it can be added as an add-onto the employment screening. This extra check is often requested by organisations working in the financial sector. For example, for a certain position that entails extra financial responsibilities.