Banks typically do credit checks, and as I say in the Guide, they are pretty tolerant of the way most students run their finances.They really hate anything that smells of dishonesty though. If courts have got involved it looks bad, but even then when I've spoken to HR about it they have been entirely reasonable about it.British HRs hate the rip off train fare system, as much as anyone, and internationally they pretty much see those who screw around phone companies as the good guys.Remember that most HR people these days are graduates, and thus remember how it was when they were students. They form a sensible view on the difference between a teenager scraping his way through on low/zero income and fraud/drug abuse.In all these things you want to get your spin in first, either through me as a headhunter putting it in the right way to the right person, or contacting HR directly and asking their advice.By being up front about it, you show yourself to be responsible and not hiding anything, which usually plays better.There is however a timing issue here. By "up front", I mean that the best time to ask is when they get around to the offer stage, before they do such checks. No sense in possibly frightening them off in such a competitive market.