Background Verification · Bangladesh
Credit Background Check in Bangladesh: USD $139 per Candidate
For roles that handle money, check a candidate’s financial record before you hire: credit information, the wilful defaulter list, money loan court cases and cheque dishonour cases. Always with the candidate’s written consent.
USD $139per candidate, with written consent
Definition
What Is a Credit Background Check?
A credit background check looks at a candidate’s financial record, such as unpaid loans, wilful defaulter status, money loan court cases and cheque dishonour cases, to judge the risk of giving them responsibility for money. In Bangladesh it is done only with the candidate’s written consent.
It is not a credit score. It is a set of facts you weigh against the role. For criminal and civil cases beyond money matters, see the criminal and court record check.
Credit information, with consent
Wilful defaulter status
Money loan court cases
Cheque dishonour cases
Company directorships
Loans the candidate declared
A credit score (Bangladesh has none for jobs)
Bank balances or salary
Family members' finances
Any check without consent
An automatic hire or reject decision
Social media spending habits
Why it matters
Why Finance Roles Need a Credit Check in Bangladesh
Loan defaults and bounced cheques are common. A candidate under heavy debt pressure is a higher risk in a role that handles cash or payments.
of bank loans were classified
Classified loans reached Tk 5.88 lakh crore at the end of March 2026, a record share.
SOURCE: UNB and The Daily Star, 2 June 2026cheque bounce cases pending
Eight Dhaka courts that hear cheque dishonour cases were each handling about 15,000 to 17,000 cases.
SOURCE: The Business Standard, 10 August 2025barred from bank boards
A wilful defaulter cannot serve as a director of a bank or financial institution for five years after repaying, and faces travel and trade licence bans.
SOURCE: The Business Standard, March 2024What is included
Six Records in Every Credit Background Check
We open the same six drawers for every candidate and report what each one shows, with the source and date.
We report facts, you make the decision. A single old default does not mean a bad hire. Give the candidate a chance to explain before you decide.
What we need from you
- 1The candidate's signed consent for a credit check
- 2NID and addresses for the last 5 years
- 3The candidate's own list of current loans
Credit information
Loans and repayment status from Bangladesh Bank's Credit Information Bureau (CIB), obtained only with the candidate's written consent through a permitted channel.
Wilful defaulter list
Whether the candidate appears as a wilful defaulter under the Bank Company (Amendment) Act 2023.
Money loan court cases
Cases filed by lenders under the Artha Rin Adalat Ain, 2003, in the districts the candidate lived or worked in.
Cheque dishonour cases
Cases under section 138 of the Negotiable Instruments Act, 1881.
Company directorships
Companies registered with RJSC where the candidate is a director, to spot defaults and conflicts.
Declared loans
The candidate's own list of loans, compared with what we find.
Who it is for
Roles That Need a Credit Background Check
Credit checks are fair and useful only when the role gives someone access to money, payments or signing authority.
Run a credit check only where money is part of the job. For other roles, an employment history check and reference checks are usually enough.
Pricing
Credit Background Check: USD $139 per Candidate
One price for all six records, with one consent-based report.
- Credit information with written consent
- Wilful defaulter list check
- Money loan court case search
- Cheque dishonour case search
- RJSC company directorship check
- Declared loans compared and reported
Market reference: in the US, Checkr lists a pre-employment credit report from USD $8 per check, pulled from a credit bureau database. Bangladesh has no such employer feed yet, and court searches are done by hand in each district, which is why the price is higher. Screening a team? See bulk screening.
How it works
How a Credit Background Check Works
Consent and documents
Signed consent, NID, address history and declared loans collected.
DoneCredit information
Requested through a permitted channel with the candidate's consent.
DoneCourt and list searches
Wilful defaulter list, money loan courts and cheque dishonour cases.
DoneReport
Findings with source and date. Candidate's explanation added if needed.
SentTypical turnaround: 5 to 7 working days. More districts to search can add time.
FAQs
Credit Background Check: FAQs
What is a credit background check?
A credit background check looks at a candidate’s financial record, such as unpaid loans, wilful defaulter status, money loan court cases and cheque dishonour cases, to judge the risk of giving them responsibility for money. In Bangladesh it is done only with the candidate’s written consent.
How much does a credit background check cost in Bangladesh?
BPO Bangladesh charges USD $139 per candidate. This covers credit information obtained with consent, a wilful defaulter list check, money loan court and cheque dishonour case searches, an RJSC directorship check and a written report.
Can an employer see a candidate’s CIB report in Bangladesh?
Not directly. Bangladesh Bank’s Credit Information Bureau shares data with banks and financial institutions. Licensed private credit bureaus may collect it with the borrower’s permission. We obtain credit information only with the candidate’s written consent, through a permitted channel.
Is there a credit score for job candidates in Bangladesh?
No. Bangladesh has no consumer credit score used for hiring. A credit background check gives you facts, such as defaults and court cases, rather than a single number.
What is a wilful defaulter?
A wilful defaulter is a borrower whom a bank has formally identified as able to repay but choosing not to, under the Bank Company (Amendment) Act 2023. They can face travel and trade licence bans and cannot sit on a bank or financial institution board for five years after repaying.
Should a bad credit record stop a hire?
Not on its own. We report facts, and you decide. Look at how old the issue is, whether it was settled, and whether the role involves money. Give the candidate a chance to explain before deciding.
How long does a credit background check take?
Usually 5 to 7 working days. Searching courts in more districts can add time.
Do you need the candidate’s consent?
Yes, always. Financial data is personal data, and Bangladesh’s Personal Data Protection Ordinance, 2025 requires informed and explicit consent before personal data is processed.
USD $139 per candidate · 5 to 7 working days
Check the Financial Record Before You Hand Over the Keys to the Cash
Send us the candidate’s consent and details. We search the records that matter for money roles and send you a clear, fair report.