Frequently Asked Questions
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 secure servers.
Which tenant report should I choose, Bronze, Silver or Gold?
Each tenant report has its benefits however for £29.95 you will get our most comprehensive analysis with the Platinum Tenant Report.
The Bronze Tenant Report for situations where you only need to check for previous CCJs or bankruptcy history. To check this history we only need the tenant's name, date of birth, and current address. With this information we can search the relevant databases holding CCJ and Bankruptcy data. Please note that with the Bronze report you will not get any information as to tenant risk ratings, etc.
The Silver Tenant Report is the most popular, it provides a risk profile score for the tenant; any linked addresses (if found); information from the Electoral Roll Register to confirm whether they were registered for their current address; identification of any activity for CCJs, Bankruptcy or Insolvency.
What if the tenant has not been at their address for very long?
Credit-Check-Services.co.uk uses data sources common to the credit referencing industry in conjunction with its own unique data sources. To provide report data such as Insight account records we search for information linking to the current (or previous) address provided for the tenant. If the tenant has only been at that address for 1 or 2 months it is likely that we will not be able to find any account data in referencing databases.
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 (in exceptional cases) as a plain text email.
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 algorythm 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 algorythms performed on the credit search. Whilst the score does not guarantee a tenant’s suitability it does provide some helpful information to use in your decision making.
The majority of people would score in the range of 500 to 1000 however it is the grading at the lower end of the range that needs to be considered carefully. For example a prospective tenant scoring less than 250 could be considered very high risk; a score between 400 and 550 could be considered as moderate risk indicating some additional precautions should be taken for a tenancy agreement, such as a guarantor for example.
The Bronze report will provide the individual’s risk score indicating the degree of risk for your consideration. Please note this score does not provide a definitive answer on whether a tenant is suitable to rent your property, it should be used on conjunction with other information as suggested in the Bronze report.
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.
Where the search identifies an individual in the Electoral Roll it will also identify the years in which they were registered, when they were last registered, and provide details of any associates registered with them at the address provided.
What information can be found on CCJs and Insolvency in the Silver Report
County Court Judgements (Court Decrees in Scotland), bankruptcy orders and voluntary agreements (e.g. voluntary insolvency) are searched for the last 6 years. The report will identify the number of such instances and any associated value of and CCJs. Having a single CCJ for someone’s history may not be significant however multiple CCJs for significant sums of money would suggest high risk for entering into a financial agreement.
What if the tenant has not been living in the UK?
To perform a check on a tenant they must have been living in the UK up to or shortly before the check is carried out. We use UK databases to search for the tenant's history, thus it is unlikely that we will find any information about a tenant that has just moved to the UK from another country.
What is Insight?
Insight is effectively a pool of data created by those who are part of its user group. Such users are banks and building societies, other grantors of credit, and credit referencing agencies. The data held within Insight can identify a wide range of information from an individual’s date of birth to the current balance on any debts and their payment history. Apart from identifying information such as poor payment history Insight can provide positive information such as helping to corroborate a person’s 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 Tenant Report will identify whether any accounts were created in the tenant's name for the addresses provided.
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