Tenant referencing

Robbo66

The referencing agent can only see CCJ, bankruptcy and IVAs however the Credit agency they use will also allocate you a credit score and if you have missed payments and defaults that score will be low so you could fail the referencing on that basis.

Comms69

ben29nash said:

General_Grant said:

ben29nash said:

macman said:

Why don't you just check your own files? Defaults showing will obviously put off most LL's, if they can get tenants who have clean records. 

As said
before I have poor credit due to
missed payments and defaults my question was to weather the estate agent will see this. As in will they do a hard search where you can see all missed payments etc or will the do a soft search where they just looks at public information cheers for the input though 

Doesn't deannatrois's post tell you?  It's the first reply after your opening post.

Unaware that was a place for people to be !!!!!! and not a place for actual advice or answers but again thanks for the input 

The advice was given in the very first answer. Asking the question again wont give a different one.

brett19852010 said:

Comms69 said:

deannatrois said:

They will only be able to see CCJ's if they look themselves but sometimes you are asked to get a print out of your file which will show what you can see.  

And if you are asked for this, you should refuse. 

May I ask if you are suggesting to refuse as you regard such request as unreasonable in general for some reason? 
Assuming no cost to the tenant of course.
I mean he could refuse such a request but rightly or wrongly a landlord will become suspicious.

Yes ofcourse they will. But there's a reason that landlords and letting agents dont get access to your credit file - it's an unregulated industry. 
Would you mind if i had a look? and if you would, then you should mind if dave, who happens to own a studio flat, takes a look.

Comms69

Densol said:

Im a guarantor for my son who is about to rent a flat. I could see when I looked on Credit Kalma that “Rentshield” who are doing the referencing did a soft search on my details. Not sure what they would have seen 

Name and address (assume on electoral role)  & CCJs / IVAs / Bankruptcies 

Comms69

Robbo66 said:

The referencing agent can only see CCJ, bankruptcy and IVAs however the Credit agency they use will also allocate you a credit score and if you have missed payments and defaults that score will be low so you could fail the referencing on that basis.

No. No idea why you';re spreading false information.

The credit agency may allocate a score, but it's nothing to do with late payments or defaults.

[Deleted User]

Comms69 said:

ben29nash said:

General_Grant said:

ben29nash said:

macman said:

Why don't you just check your own files? Defaults showing will obviously put off most LL's, if they can get tenants who have clean records. 

As said
before I have poor credit due to
missed payments and defaults my question was to weather the estate agent will see this. As in will they do a hard search where you can see all missed payments etc or will the do a soft search where they just looks at public information cheers for the input though 

Doesn't deannatrois's post tell you?  It's the first reply after your opening post.

Unaware that was a place for people to be !!!!!! and not a place for actual advice or answers but again thanks for the input 

The advice was given in the very first answer. Asking the question again wont give a different one.

brett19852010 said:

Comms69 said:

deannatrois said:

They will only be able to see CCJ's if they look themselves but sometimes you are asked to get a print out of your file which will show what you can see.  

And if you are asked for this, you should refuse. 

May I ask if you are suggesting to refuse as you regard such request as unreasonable in general for some reason? 
Assuming no cost to the tenant of course.
I mean he could refuse such a request but rightly or wrongly a landlord will become suspicious.

Yes ofcourse they will. But there's a reason that landlords and letting agents dont get access to your credit file - it's an unregulated industry. 
Would you mind if i had a look? and if you would, then you should mind if dave, who happens to own a studio flat, takes a look.

I wasn't querying whether the landlord is entitled. They are not. I am interested why it's so wrong for them to ask and if a tenant should always refuse. You have then asked me if I would share my file with you, a person on a forum. That isnt the same as the exchange of information between a landlord and prospective  tenant that is or at least should be bound by data protection and consent. 
Assuming a decent credit file I'd not see the issue with handing over my copy...I am aware of landlords who would like to see copies of employment contracts and bank statements, the latter probably contains far more information.

saajan_12

anselld said:

brett19852010 said:

Comms69 said:

deannatrois said:

They will only be able to see CCJ's if they look themselves but sometimes you are asked to get a print out of your file which will show what you can see.  

And if you are asked for this, you should refuse. 

May I ask if you are suggesting to refuse as you regard such request as unreasonable in general for some reason? 
Assuming no cost to the tenant of course.
I mean he could refuse such a request but rightly or wrongly a landlord will become suspicious.

It is unreasonable because the Landlord/Agent is not entitled to see that information.
Perhaps Tenant should be suspicious of Landlord trying to bypass the normal referencing procedures by requesting personal information by the back door.

The landlord / agent isn't entitled to see it at will for anyone off the street, but the prospective tenant can agree to share the information with the LL. Similar to how the landlord / agent doesn't have an automatic right to get bank statements, income information, references from previous landlord etc but they can with permission from the prospective tenant. 


The prospective tenant could refuse, but equally the landlord could refuse to let to someone without the information they want. 

Comms69

brett19852010 said:

Comms69 said:

ben29nash said:

General_Grant said:

ben29nash said:

macman said:

Why don't you just check your own files? Defaults showing will obviously put off most LL's, if they can get tenants who have clean records. 

As said
before I have poor credit due to
missed payments and defaults my question was to weather the estate agent will see this. As in will they do a hard search where you can see all missed payments etc or will the do a soft search where they just looks at public information cheers for the input though 

Doesn't deannatrois's post tell you?  It's the first reply after your opening post.

Unaware that was a place for people to be !!!!!! and not a place for actual advice or answers but again thanks for the input 

The advice was given in the very first answer. Asking the question again wont give a different one.

brett19852010 said:

Comms69 said:

deannatrois said:

They will only be able to see CCJ's if they look themselves but sometimes you are asked to get a print out of your file which will show what you can see.  

And if you are asked for this, you should refuse. 

May I ask if you are suggesting to refuse as you regard such request as unreasonable in general for some reason? 
Assuming no cost to the tenant of course.
I mean he could refuse such a request but rightly or wrongly a landlord will become suspicious.

Yes ofcourse they will. But there's a reason that landlords and letting agents dont get access to your credit file - it's an unregulated industry. 
Would you mind if i had a look? and if you would, then you should mind if dave, who happens to own a studio flat, takes a look.

I wasn't querying whether the landlord is entitled. They are not. I am interested why it's so wrong for them to ask and if a tenant should always refuse. You have then asked me if I would share my file with you, a person on a forum. That isnt the same as the exchange of information between a landlord and prospective  tenant that is or at least should be bound by data protection and consent. 
Assuming a decent credit file I'd not see the issue with handing over my copy...I am aware of landlords who would like to see copies of employment contracts and bank statements, the latter probably contains far more information.

No i understand, which is why i gave the example of showing me.

Maybe it should be bound by GDPR, but ultimately it's some bloke / lass with a spare property. As a perspective tenant why dont you ask the landlord for the same info and see what response you get?

(and i wouldnt show either contract or bank statement - again i suspect a landlord wouldnt show this to his tenant)

Robbo66

Comms69 said:

Robbo66 said:

The referencing agent can only see CCJ, bankruptcy and IVAs however the Credit agency they use will also allocate you a credit score and if you have missed payments and defaults that score will be low so you could fail the referencing on that basis.

No. No idea why you';re spreading false information.

The credit agency may allocate a score, but it's nothing to do with late payments or defaults.

How is that false information, the credit agency will base the credit score on the OPs payment history. Late payments and defaults will impact that score.

Comms69

Robbo66 said:

Comms69 said:

Robbo66 said:

The referencing agent can only see CCJ, bankruptcy and IVAs however the Credit agency they use will also allocate you a credit score and if you have missed payments and defaults that score will be low so you could fail the referencing on that basis.

No. No idea why you';re spreading false information.

The credit agency may allocate a score, but it's nothing to do with late payments or defaults.

How is that false information, the credit agency will base the credit score on the OPs payment history. Late payments and defaults will impact that score.

No they wont, because that information cannot be used for these purposes.