Checking a credit score

Bowey123

Is there any way that I can check on someone’s credit score?  I had a tenant who owes me money. Many thousands. I have a ccj against him. He appears to have moved out but will not give me access to my property. He has changed the locks. I got a PI to find him. 

The ccj is at my rental property.  However the PI did not find him registered him to that address where he has been for two years. 

I am wondering how he would be able to get the new tenancy when he has a ccj because the referencing agency are required to check for CCJs. 

Isthisforreal99

What benefit do you think seeing a pretty made up number that nobody apart from the customer actually ever sees would give you?

How they got a new tenancy is pretty much irrelevant.

Bowey123

There are reason I want to know which are not really relevant to this thread and which I don’t want to go into. 

TadleyBaggie

You's have to impersonate them to get the made up number, you really want to do that?

Isthisforreal99

Bowey123 said:

There are reason I want to know which are not really relevant to this thread and which I don’t want to go into. 

Their score could be anywhere between 1 and 999 (depends on CRA) but it means absolutely nothing in the real world.

MyRealNameToo

Bowey123 said:

Is there any way that I can check on someone’s credit score?  I had a tenant who owes me money. Many thousands. I have a ccj against him. He appears to have moved out but will not give me access to my property. He has changed the locks. I got a PI to find him. 

The ccj is at my rental property.  However the PI did not find him registered him to that address where he has been for two years. 

I am wondering how he would be able to get the new tenancy when he has a ccj because the referencing agency are required to check for CCJs. 

UK works on credit history not credit scores. CRAs sell a made up number to unsuspecting people but no lender uses those. 

Not all landlords are sensible and not all vet to the same standards. Some will take on those with poor or no credit history with a suitable guarantor, who knows what details the tenant gave to their new landlord. The CRAs use fuzzy logic when doing searches which in theory means if you went by Robert for 45 years then started using Bob  it should realise you are the same person but it depends on the scale of the change. 

flaneurs_lobster

Perhaps the OP is actually wanting to see the credit report(s) for the ex-tenant rather than just the score?  

Not sure how legal this is (some of the information on there is clearly public domain, other stuff probably not) but if commercial organisations can obtain this report then it shouldn't be too hard for a private investigator to get copies?

la531983

flaneurs_lobster said:

Perhaps the OP is actually wanting to see the credit report(s) for the ex-tenant rather than just the score?  

But again, why? There is no reason for him to know, despite him claiming there is (there really isnt).

flaneurs_lobster

la531983 said:

flaneurs_lobster said:

Perhaps the OP is actually wanting to see the credit report(s) for the ex-tenant rather than just the score?  

But again, why? There is no reason for him to know, despite him claiming there is (there really isnt).

Can think of a couple of reasons, almost certainly not legitimate. Maybe they just wants to save a few quid, private investigators bill by the hour.

"him"? 

la531983

flaneurs_lobster said:

la531983 said:

flaneurs_lobster said:

Perhaps the OP is actually wanting to see the credit report(s) for the ex-tenant rather than just the score?  

But again, why? There is no reason for him to know, despite him claiming there is (there really isnt).

Can think of a couple of reasons, almost certainly not legitimate. Maybe they just wants to save a few quid, private investigators bill by the hour.

"him"? 

Well yes, I meant legal reasons. And my bad for assuming gender.

If he has a new address he can crack on with actual legal enforcement measures though (High Court bailiffs etc etc)