An Adverse Credit Check (financial probity check) can show the following types of serious adverse credit:
Individual Voluntary Arrangements (IVAs)
A formal agreement between you and your creditors
Helps you repay what you can afford towards your debts
County Court Judgments (CCJs)
An order from the County Court instructing you to repay a debt
Bankruptcy
A legal proceeding involving a person or business that is unable to repay outstanding debts
These markers indicate that the applicant has had significant difficulty managing debts, which may be relevant to roles involving financial responsibility or access to valuables.