Your Credit Check & Reference Reports
When your Tenant Check is complete we will upload the TenantVERIFY® report to your online account.
We will send an SMS text message e-mail to alert you to this. Make sure your account personal details are up-to-date so that these messages get through.
You can print off and read the report at your leisure, but remember – always store confidential information securely.
You can sign in to your account at any time to check on progress.
Adobe Reader Needed
The reports are supplied in an Adobe® .pdf format.
In order to view these reports you will need to download the free Adobe® Reader from:
Get the Adobe Reader www.Adobe.com
Contents of Your Report:
Your report will contain information about your tenant or guarantor applicant in the form of:
- Report Reference Number
- Your User Name
- Applicant’s Name
- The full Property Address
- The Rental Amount £pcm
- Detailed information about the Applicant
A numerical credit score between 500 and 750 is marked against a colour coded scale:Green = Accept – 629 to 750
Blue = Caution – 551 to 630 Accept with qualifications / recommendations
Red = Decline – 500 to 550
An Overall Recommendation – Decision
An overall recommendation (Decision) will be given for the individual concerned, taking into account the rental amount they are committing to paying – affordability.
A thorough search will be made for any adverse information regarding the individual’s financial affairs including outstanding debts, County Court Judgments (CCJs) etc.
Checks will also be made regarding residency: linked and any adverse information at addresses given and to confirm if listed on Electoral Roles at addresses provided.
Comprehensive Checks with Referencing
In the case of a Comprehensive Check the report will also include reference checks confirming additional information about the applicant from the referees provided by the applicant.
We will contact the referees and obtain this additional information:
- Employer referee regarding confirmation of employment contract, current earnings and any anticipated charges in employment status.
- Previous Landlord or Letting Agent regarding confirmation of the performance of previous tenancies including rent payment, care of the property, and to establish if the previous landlord would be happy to let to this individual again.
- In the case of self-employed and company applicants, references will be taken-up with their accountant or solicitor.
If you would like to see a sample final report, please contact us.
Always do IDentity Checks before finalising any tenancy agreement with your applicants. Identity Fraud is a growing problem, so take every precaution and this is a legal requirement with Right-to-Rent Checks.
See our documents page for this Checklist. The main items you should check are: a passport or driving licence with photograph, plus at least one utility bill less than 3 months old, matching the applicants address details. Request a passport type photograph with the tenancy application, or at least a good photocopy from a passport or driving licence. Keep all confidential information you receive secure.
Note: the Report is for the account holder’s information only. On no account should Tenant Applicants be given access to a landlord’s or Agent’s TenantVERIFY® account, or the final report.
Landlords and Letting Agents are under a legal obligation to handle, store and dispose of personal consumer information sensibly and securely and are obliged to abide by the principles of the Data Protection Act.