You have all my sympathies if you don't get the job mate. I have been through the same sort of hell as you. I worked for the Royal Bank of Scotland on a 6 month contract. After it finished I got a huge unpaid tax bill from the Inland Revenue regarding a company I was a partner in years before. I couldn't afford it so I had it defaulted and decided to pay it off monthly. A couple of months later RBS wanted to re-hire me on a year long contract and I thought all my Christmases had come at once. No interview was required and I got the job offer. A week before I was due to join I got a phone call telling me that I had failed a credit check due to a defaulted debt and told that the chances of me being hired in the Finance sector were more or less over for the next 6 years (thats how long defaults stay on your crdit report). Banks are ruthless mate. I was only going to be working in their IT sector that has nothing to do with Finance but they don't care. I was told that anyone applying for even a cleaners job had to pass a credit check. I hope it goes better for you than it did for me but if I were you, I would prepare for the worst. Let me know how you get on. All the best.