No adverse credit, great references but still scored low

T-G-C

!!! wrote: »

Remember the score they use is their own internal one not the ones used by the CRA’s.

And they are also not obliged to tell you what their scoring methods and algorithms as

Not worth mentioning from the sounds of it...

It's probably a laminated poster in the office with different bands of scores from pass to fail :rotfl:

bigisi

T-G-C wrote: »

They have probably had rouge tenants in the past

What has the colour of the tenants got to do with anything?

Abc1983

Update: The referencing agency have come back to me this morning. Their enquiries with Equifax confirm that the reason for the low score is that I’ve opted out of showing my electoral roll info on the public register. This can’t be amended instantly (takes 30 days according to Equifax) so I have now failed this check and probably missed out on the tenancy as a result of opting out of something that I just assumed was marketing-related. Where is the sense in that?!

T-G-C

bigisi wrote: »

What has the colour of the tenants got to do with anything?

I would be worried if I had red colored tenants from Mars. You knew what I meant, but corrected it for you nevertheless

[Deleted User]

Abc1983 wrote: »

Update: The referencing agency have come back to me this morning. Their enquiries with Equifax confirm that the reason for the low score is that I’ve opted out of showing my electoral roll info on the public register. This can’t be amended instantly (takes 30 days according to Equifax) so I have now failed this check and probably missed out on the tenancy as a result of opting out of something that I just assumed was marketing-related. Where is the sense in that?!

I've never been on the public register and have no issues with renting in the past and getting credit etc.

I'm calling BS on that

Willing2Learn

!!! wrote: »

I've never been on the public register and have no issues with renting in the past and getting credit etc.

I'm calling BS on that

Ditto to this!

Abc1983

I’ve never had any issue either and have never been on the public register so I’m finding it really odd! Any suggestions on how to challenge this? Their referencing system is clearly flawed and I’m now looking and coughing up £6k in advance as a result of “computer says no”.

[Deleted User]

Estate Agency checks usually only look at addresses history, identification checks and sometimes money laundering checks.