Frequently Asked Questions
How to carry out tenant referencing checks
There are some key steps to help with effecitve tenant referencing, it is all about minimising risk! You can read more here: how to check a tenant
Will my personal data be given to anyone else?
Your personal data will not be given to anyone else, it will only be used by Credit-check-services.co.uk for communicating with you. We take data security very seriously and retain only the minimum necessary information to provide our services. For example any credit card details you provide to purchase reports will not be received by Credit-Check-Services.co.uk, this information is processed directly into PayPal or RBS WorldPay secure servers.
Which tenant report should I choose?
We have summarised the options to help you make a choice in our Blog, to read more on this take a look at our Credit Check Services Blog - report options (opens a new window)
Do I need the tenant's date of birth?
Without the date of birth we can carry out searches however it is likely we will not find any / all of their adverse credit history in court databases.
What if the tenant has not been at their address for very long?
If a tenant has been at an address for only a few weeks we recommend that you obtain their previous address and use this for tenant referencing. Note that our searches will include linked address searches for court databases. You can read more about linked address searches in our Blog - linked address searches (opens a new window).
How is the report sent to me?
Reports are formatted as PDF for applications such as Adobe Acrobat Reader and sent by email to the address provided in the form submitted - you will see this form after selecting "buy" on the Services page. To see if you can read a pdf document click on this link Test pdf 1 and a new window will open, or if your browser will not allow new windows try this link Test pdf 2.
In the unlikely event that you do not have Adobe Acrobat Reader or other PDF reader, or for some reason are unable to read the report, please let us know and we will resend in Microsoft Word or by fax.
What is the Risk Profile Score?
The score is developed from a wide range of criteria such as previous outstanding debts, Country Court Judgements, continuity of identity, traceability of addresses, and more. The combination of data found is then placed into an algorithm to determine a score that indicates the probability that an individual may default and become a bad debtor.
The risk score is determined using a complex set of algorithms performed on the background search. Whilst the score does not guarantee tenant suitability it does provide some helpful information to use in your decision making.
What information can you find from the Electoral Roll?
A search of the Electoral Roll provides details of those registered to vote at the associated postal address. As it is only a legal requirement for people over the age of 18 years to register on the Electoral Roll tenants of a younger age may not have much data recorded for address provided. It is also possible that an individual may not be registered at an address even though they were legally obliged to, or in some cases they may have opted out from publication.
What information can be found on CCJs / Court Decrees, Bankruptcy and Insolvency?
County Court Judgements (Court Decrees in Scotland), bankruptcy orders and voluntary agreements (e.g. voluntary insolvency) are searched for within the last 6 years. The report will identify the number of such instances and any associated value of any CCJs. Having a single CCJ may not be significant however multiple CCJs or significant sums of debt would suggest a high risk for entering into a financial agreement.
What if the tenant has not been living in the UK?
Our checks will include searches of various court, financial, and other referencing databases for the UK (England, Scotland, Wales and Northern Ireland). An credit history of an applicant specific to another country will not be found with our services. If the applicant has only recently moved to the UK (e.g. within the last few months) then there is no benefit in obtaining a UK referencing check on them.
Can I check someone from the Republic of Ireland?
We can only carry out financial background and tenant checks on people who have been living in England, Scotland, Wales and Northern Ireland; we can not carry these checks using data sources from any non UK country.
What is CAIS or Insight?
CAIS and Insight are effectively pools of shared data created by those who are part of its user group. Such users are banks and building societies, other guarantors of credit, and credit referencing agencies. The data held within CAIS or Insight can identify a wide range of information from confirming date of birth to the current balance on any debts. Apart from identifying information such as poor payment history CAIS or Insight can provide positive information such as helping to corroborate an identity. For example an individual with a large amount of credit history against their name has an increased probability of existing when compared with a name for which no credit history can be found. The Gold and Platinum Tenant Reports will identify whether any accounts were created in the tenant name for the addresses provided.