The Comprehensive reference simply provides landlords with a full report within 48 hours* which will address the key checks, provide referee responses and give a decision.
The application is submitted online directly to Experian’s data bureau and will instantly gain up to date, comprehensive information on the tenant or guarantor with an interim report, so we keep you informed throughout the process.
The next step is to validate the references (employer / accountant and previous landlord) to give a final report with a decision.
The Comprehensive Reference covers:
- A 6 year credit history search which identifies defaults, County Court Judgements (CCJ’s), bankruptcies, repossessions and poor payment records.
- Link address search which locates undisclosed associated addresses & residence history.
- Voters Roll check to check that applicant is who they say they are.
- A fraud check with a score to identify fraud potential.
- An interim report is sent within minutes with above information.
- Validation of 2 references (Employer / Previous Landlord) – All referees are contacted directly.
- Accountant / Solicitor references collected if applicant is self-employed.
- Immediate email notification with final report included when reference is complete.
- A final decision either Accept or Decline to help make a decision on prospective tenants.
*subject to referee responses.
