As part of the referencing service we provide, we have a relationship with Experian in returning necessary credit information surrounding tenancy checks.
What information we verify:
Full legal name: They will need to enter their full name including any middle names. If this has recently changed be aware that Experian can take up to 6 months to update their systems.
Date of birth: Ensure they have entered their date of birth correctly, ask them to double-check this in case an alternate day/month/year was accidentally selected.
Address history: They should enter at least 3 years of UK address history. They must have been registered on the electoral roll/utility bills/bank accounts at the addresses in order to be found within the bureau.
We confirm the following details:
If the tenant has any adverse credit history
Credit Score indicator
Anything else we can add?
We can only process credit checks if applicants meet the following criteria:
Been living in the UK for longer than 3 months; for more information see this Article, Why are Canopy not able to locate a renters credit profile?
Why does my tenant's Consumer report differ from their Delphi report with Canopy?
The report that is returned to us differs from a consumer report. This is a more in-depth score as we are looking into an individual's credit information surrounding tenancy checks.