Experian problem

treliac

RedDwarf82 wrote: »

The links I shared don't include a lot more than a recommendation, but there is a bit more.

I am going to argue Clearview is *obviously* lying there. Experian offers only one Tenant Screening service, and is the one I pointed to. If you need to hurt them you can show to the letting agency how they lie (and explain to them they can use Experian directly, probably cheaper), so they lose one client.

You may well be right. She is to contact Experian's tenancy checking team on Monday. As far as her credit check goes, they say there is no reason not to approve her. They have apparently held a wrong door number for her as well. So the mystery continues. But thanks again to you and everyone who is helping with information and suggestions.

treliac

Thanks to everyone who has given their advice previously.


I have renamed my issue as the problem has now been clearly identified as being with Clearview.


DD has pushed them for a reason for giving her a low risk score after Experian confirmed that she has a good credit record and no problems as far as they are concerned.


However Clearview have finally informed that the problem was due to where she was previously living. (They have moved now with tenancy in boyfriend's name).


Apparently, she was declined as her previous rental was in an area, with presumably a high level of poor debt management, which impacted on her risk score.


Since she has an impeccable record personally, this must surely be wrong and should be challenged as it will (again presumably) affect her for some time.


Any thoughts and advice on how to take it further would be appreciated.

DCFC79

Who told you she was declined presumably due to the high level of debt management ?

I take it you mean Clearscore and not clearview.

treliac

DCFC79 wrote: »

Who told you she was declined presumably due to the high level of debt management ?

I take it you mean Clearscore and not clearview.

No, Clearview is correct. It is a tenancy referencing agency used by the lettings company. They take Experian's credit report and look at other factors then advise the lettings company on the level of risk attached to giving someone a tenancy.


DD's credit report is totally fine but Clearview advised against her. After asking them for their complaints procedure she was eventually informed that she was declined for reasons relating to the area she was living in.... presumably either neighbours or perhaps previous tenants. She has been living in an HMO. Please see the whole thread for details.


My question is.... is it legal / in order to assess her risk according to other people who have no financial connection to her?

takman

treliac wrote: »

No, Clearview is correct. It is a tenancy referencing agency used by the lettings company. They take Experian's credit report and look at other factors then advise the lettings company on the level of risk attached to giving someone a tenancy.


DD's credit report is totally fine but Clearview advised against her. After asking them for their complaints procedure she was eventually informed that she was declined for reasons relating to the area she was living in.... presumably either neighbours or perhaps previous tenants. She has been living in an HMO. Please see the whole thread for details.


My question is.... is it legal / in order to assess her risk according to other people who have no financial connection to her?

No it's not illegal a company can assess risk based on any non-discriminatory information that they choose.


But what are the letting's agency saying about this? They are the one's who make the final decision in whether or not to offer someone a tenancy, they just use clearview to help them.


So if they are still "on her side" then ask them if they will still give her the tenancy now they know the reason that Clearview "failed" her for.

treliac

Thanks takman.


It appears that it is discriminatory as it is based on information that does not relate to her personal circumstances / credit history and report. And her proven excellent money management.


The lettings company is a big national one and branch staff seem bound by their rules and regulations. Whilst being sympathetic, they say they have to accept Clearview's recommendation.


It seems that she has no other recourse but to submit a complaint and take it up to the Financial Ombudsman if Clearview won't change their risk profile.


It would be useful to know her likely standing on this but she may have to find out by following due process.