How can you get a credit check on someone?

maryjune

A cowboy builder owes me money for a bad job he did and various debt collectors are after him, just wondered if i could do a credit check to see if there are any convictions are on his record? and if he could actually pay back anything

Its [TEXT REMOVED BY FORUM TEAM]
Worthing o:mad:f J francis construction

[Deleted User]

No, you can't.

GingerBob_3

You would need to ask someone who works for one of the many and varied organisations that have unfettered access to credit reference files. It might be illegal to do this - I don't know - SO I'M NOT RECOMMENDING THAT YOU TRY! Certainly if you asked someone in, say, a mobile phone shop to do it they could end up getting the sack. I know it's a kind of standard threat with many organisations that if you access the CRA's files on David Cameron you'll be fired.


If the guy is running a business you may be able to go to Dunn and Bradstreet or some such organisation and pay for a credit report on his company.


Another thing, credit reference files don't yet hold details of convictions, but I'm guessing the CRAs are working on this.

SeanG79

You cannot do a credit check on him without his permission.

You can get access to accounts filed at Companies House, as they are in the public domain.

That business is only is only just over a year old and has never filed a set of accounts, so there is not much information available.

I would expect it is the company that did the work, so you would need to pursue the business and I suspect the business wont have any assets, so you may not have much to work with...

You could approach the courts, but if there are no assets in the business, even obtaining a judgement is not likely to do anything more than cost you more money

Tixy

You can check to see if he has any existing CCJs against him, using the trust online website, which is the registry trust. You can check this in both his personal name and business name.

But if he trades as a limited company then his personal finances are not very relevant as you would need to take action against the company and not him personally.

HappyMJ

maryjune wrote: »

A cowboy builder owes me money for a bad job he did and various debt collectors are after him, just wondered if i could do a credit check to see if there are any convictions are on his record? and if he could actually pay back anything

Its [TEXT REMOVED BY FORUM TEAM]
Worthing o:mad:f J francis construction

If you know where he lives you can get a copy of the property title to see if your cowboy builder owns the property in which he lives in. If he does and you get a CCJ against him you can put a charge on the property so when it's sold you get your money back. You can't force a sale but you'll get your money one day.

CalumHeath

Not sure what you'd achieve in undertaking a credit check on him.

Surely trading standards / CCJ / appointing a solicitor is the way to go?

PaulW922

You will not get 'convictions' from a credit file and as stated above, you cannot do so as a private individual.

maryjune

Got a judgement on him won the court but cant enforce it as he is a rat and runs from property to property so when you send in the bailiffs hes moved.

Thrugelmir

maryjune wrote: »

Got a judgement on him won the court but cant enforce it as he is a rat and runs from property to property so when you send in the bailiffs hes moved.

Then a credit check isn't going to help.

maryjune

Really unfair this guy is a crook but his credit rating isnt affected.