We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
No adverse credit, great references but still scored low
Comments
-
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:Advice provided from this account does not consist of any professional knowledge. For professional debt advice, please contact either National Debtline or StepChange. Advice may consist of personal experience, opinion and/or informational sources.0 -
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?!0
-
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
Advice provided from this account does not consist of any professional knowledge. For professional debt advice, please contact either National Debtline or StepChange. Advice may consist of personal experience, opinion and/or informational sources.0 -
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 that0 -
-
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”.0
-
Estate Agency checks usually only look at addresses history, identification checks and sometimes money laundering checks.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.5K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.4K Work, Benefits & Business
- 604.2K Mortgages, Homes & Bills
- 178.5K Life & Family
- 261.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards