Provides a summary of a person’s credit history in a specific country, including bankruptcies, judgements, defaults and adverse listings.

Provides visibility of financial reliability for candidates who have lived or worked overseas.

International credit bureau records including defaults, judgements and bankruptcies.

Assesses financial responsibility for roles involving financial decision-making, access to funds or sensitive data.

Usually at hire; high-risk or regulated roles may recheck every 1–3 years.

Financial services; government and defence; legal and regulatory bodies; senior leadership roles.

You may miss financial red flags outside AU or NZ, increasing risk.