Canopy has created its one of a kind reference providing you, the landlords and letting agents with transparent, accurate and real-time information in order to ensure that the best tenants are able to move into suitable properties as soon as possible. Canopy has partnered with Experian Credit Bureau to provide identity and financial history on the screened renters.

Canopy further makes use of market-leading open banking technology to generate real-time and accurate affordability calculations for the screened renters.

Screening Result

This is the overall status / result of the person you are referencing. Below is a table of all the statuses, what they mean, and suggestions on how you may want to proceed.

RESULTS TABLE

	The person has not started completing any of the sections of their Reference.
	This person is still in the process of completing their Reference.
	This person has completed all the sections of their Reference and we have not found any issues.
	This person has completed all the sections of their Reference and we have highlighted a few issues which you should consider before proceeding with a tenancy agreement.
	This person has completed all the sections of their Reference and we have found some issues, which indicate the person is potentially a high risk tenant.

ID Verification

When an ID Verification is purchased, the person will receive a request to prove their Identity. Our ID verification partner will verify their ID automatically.

	You have requested this person to provide proof of identity.
	This person has submitted their ID and we are waiting on our Identity Partner to verify their document.
	This person has provided a valid form of Photo ID and has now been verified.
	This person is not able to provide a Photo ID to verify their identity.
	Our Identity Partner has flagged something suspicious about the documents this person has provided.

Credit Check

The renter fills in their identity information, including name, date of birth, phone number and 3+ years of UK address history. We then utilise Experian’s credit data to cross-reference and verify such information. All references to a “credit profile” refers to a credit profile provided to Canopy by the Experian Consumer Credit Bureau.

	A credit profile has been found for this person.
	We were unable to find a credit profile for this person. This is either due to the person not having lived in the UK during the previous 12 months or Experian not having enough data to create a credit profile.

ADDRESS HISTORY

	We matched this person’s credit profile with the address information provided by the person.
	A credit profile was found for this person but no UK addresses could be matched with this person’s credit profile. Common reasons for this include: This person has no history of tenancy bills associated with the submitted addresses. Experian does not have enough data on this person. This person could only be matched to non UK addresses.
	A credit profile could not be found for this person and therefore we were unable to verify any of their addresses.
	This person has not lived in the UK for at least 12 months and therefore we were unable to verify any of their addresses.

CREDIT INDICATOR

	A credit profile was found for this person. Their credit score is rated as excellent.
	A credit profile was found for this person. Their credit score is rated as good.
	A credit profile was found for this person. Their credit score is rated as fair.
	A credit profile was found for this person. Their credit score is rated as poor.
	A credit profile was found for this person. Their credit score is rated as very poor. This indicates a high risk tenant.
	We were unable to find a credit profile for this person. This is either due to the person not having lived in the UK during the previous 12 months or Experian not having enough data to create a credit profile.

FINANCIAL SUMMARY

	A credit profile was found for this person. Their credit score is rated as excellent.
	We were unable to find a credit profile for this person. This is either due to the person not having lived in the UK during the previous 12 months or Experian not having enough data to create a credit profile.
	A Credit profile was found for this person and issues have been raised which indicate this person may be a high risk. The issues raised are one or more of the following: Active CCJs Satisfied CCJs totalling over £300 Unfulfilled Bankruptcy IVA (Individual Voluntary Arrangement)

Income

The renter fills in their income information, including amount and frequency of received payments, in order for Canopy to calculate the person’s rental affordability.

CANOPY ASSESS A RENTERS' INCOME THROUGH ONE OF THE FOLLOWING 2 OPTIONS:

	The person grants Canopy read-only access to their bank transaction data. The person selects their most recent income payment. From this selection, Canopy identifies all relevant income transactions for the previous 12 month period.
	The person submits proof of their income by uploading documents, which are manually verified by our specialist referencing team. Acceptable documents include: 3+ months of bank statements 3+ months of payslips

OPEN BANKING INCOME RESULTS

We were able to identify 3+ months of consistent income payments from within this person’s connected bank account.

MANUAL UPLOAD INCOME RESULTS

	This person has uploaded documents to prove their income. Our referencing team is in the process of verifying the documents.
	This person has uploaded documents to prove their income. Our referencing team has validated the documents.
	This person has uploaded documents to prove their income. The documents did not meet our verification requirements and therefore we were unable to verify them. Common reasons for this include: Too few or incorrect documents uploaded Uploaded images were low resolution or unclear

Savings

The renter fills in their savings information, including the amount they would like to contribute towards rent over the next 12 months. Canopy person’s rental affordability.

CANOPY ASSESS A RENTERS' SAVINGS THROUGH ONE OF THE FOLLOWING 2 OPTIONS:

	The person grants Canopy read-only access to their bank transaction data. From this bank selection, Canopy identifies the monthly closing balance for the previous 12 month period.
	The person submits 3+ months of bank statements as proof of their savings which are then manually verified by our specialist referencing team.

OPEN BANKING SAVINGS RESULTS

We were able to identify 3+ months of savings from within this person’s connected bank account.

MANUAL UPLOAD SAVINGS RESULTS

	This person has uploaded documents to prove their savings. Our referencing team is in the process of verifying the documents.
	This person has uploaded documents to prove their savings. Our referencing team has validated the documents.
	This person has uploaded documents to prove their savings. The documents did not meet our verification requirements and therefore we were unable to verify them. Common reasons for this include: Too few or incorrect documents uploaded Uploaded images were low resolution or unclear

Employment Reference

When a Comprehensive Reference is purchased, i.e. “Comprehensive screening” is requested. The person will receive a request to provide their employer’s details. An employment reference request is sent to the employer. Once the reference is completed by the employer, it is manually verified by our specialist referencing team.

	A reference request has been sent to the person’s employer. The progress of this reference can be seen in the employment reference section of the Reference. In-progress stages are as follows: We are waiting for the employer to accept the reference request. We are waiting for the employer to complete the reference. This person’s employer has completed the reference. Our referencing team is in the process of verifying the reference.
	The employer has uploaded a reference for this person. Our referencing team has verified that the reference is from the person’s legitimate employer and meets our verification requirements.
	The employer has uploaded a reference for this person, which our referencing team has verified. You may wish to consider that this person is on a temporary contract, which may indicate a potentially unstable employment.
	The employer has uploaded a reference for this person. The reference did not meet our verification requirements and therefore we were unable to verify it. Common reasons for this include: Unable to verify company’s legitimacy Unable to verify referee within the company
	This person does not have an employer, so is unable to provide an employment reference. This is due to the person being either: Self Employed Student Retired Unemployed
	This person has sent a reference request to their employer. The reference request was rejected by the employer. Common reasons for this include: The person incorrectly entered their employers’ contact details The person requested a reference from someone in the company who does not have authority to provide a reference
	The employer has uploaded a reference for this person, which our referencing team has verified. The reference contained negative feedback, which indicates this person is potentially a high risk tenant.

Rent Payments

The renter fills in their rental transaction information, including amount and frequency of rental payments, in order to display a history of consistent payment of rent.

CANOPY COLLECT A RENTERS' RENTAL PAYMENTS THROUGH ONE OF THE FOLLOWING 2 OPTIONS:

	The person grants Canopy read-only access to their bank transaction data. The person selects their most recent rental payment. From this selection, Canopy identifies all relevant rental transactions for the previous 12 month period.
	The person states their rent payments which are self certified when they cannot verify through open banking. This could be due to rent payments paid in cash.

OPEN BANKING RENT PAYMENTS RESULTS

We were able to identify 3+ months of consistent rent payments from within this person’s connected bank account.

OTHER RESULTS

	This person has uploaded their rent payment information.
	This person has not rented in the UK within the last 12 months. Common reasons for this include: Person is a first time renter Person is new to the UK and this is their first rental within the UK market
	This person has stated that they are a homeowner and therefore does not have a recent rental history.

GUARANTOR SPECIFIC RESULTS

This person has stated they are a homeowner.

Landlord Reference

When a Comprehensive Reference is purchased i.e. “Comprehensive screening” is requested. The person will receive a request to provide their landlord’s details. An landlord reference request is sent to the landlord. Once the reference is completed by the landlord it is manually verified by our specialist referencing team.

	A reference request has been sent to the person’s landlord. The progress of this reference can be seen in the employment reference section of the Reference. In-progress stages are as follows: We are waiting for the landlord to accept the reference request. We are waiting for the landlord to complete the reference. This person’s landlord has completed the reference. Our referencing team is in the process of verifying the reference.
	The landlord has uploaded a reference for this person. Our referencing team has verified that the reference is from the person’s landlord and meets our verification requirements.
	This person has sent a reference request to their landlord. The reference request was rejected by the landlord. Common reasons for this include: The person incorrectly entered their landlord’s contact details
	The landlord has uploaded a reference for this person. The reference did not meet our verification requirements and therefore we were unable to verify it. Common reasons for this include: Unable to verify landlord’s legitimacy
	This person has not rented in the UK in the past 3 years and therefore can not provide a landlord reference.
	This person has stated that they are a homeowner and therefore does not have a recent landlord to provide a reference.
	The landlord has uploaded a reference for this person, which our referencing team has verified. The reference contained negative feedback, which indicates this person is potentially a high risk tenant. The Issues raised are one or more of the following: There was damage to the property This person has rent arrears The landlord has stated they would not be willing to rent to this person again

GUARANTOR SPECIFIC RESULTS

This person has stated they are a homeowner.

Right To Rent

When a Right to Rent check is purchased the person will receive a request to provide evidence of their right to rent in the UK. Our ID verification partner will verify their ID automatically and all documentation will be stored within your Canopy HQ. As per current government legislation all Right to Rent checks must be completed by the agent or landlords.

	You have requested this person to provide proof of their Right To Rent.
	This person has declined your request.
	This person has submitted their ID for verification by our Identity partner. They have provided a valid form of photo ID. You are ready to complete this persons Right To Rent check.
	You have completed and stored this persons Right To Rent check.
	This person would like to submit their proof of Right To Rent in person.
	This person has submitted their ID for verification. Our Identity partner has flagged something suspicious about this person or the documents they have provided.
	This persons proof of their Right To Rent will be deleted in 3 months. Edit the tenancy date if you need to keep hold of this proof for longer.
	This persons proof of their Right To Rent will be deleted today. Edit the tenancy date if you need to keep hold of this proof for longer.