There’s a good chance your letting agent or landlord will ask us to carry out a reference on you before you move into your new home. You’ll be asked to fill out an application form and sign a declaration to give your consent.
All our references include a credit search, so we’ll check:
- Up to two credit bureaus for any adverse credit history, such as bankruptcy, County Court Judgments (CCJs) and court decrees
- If you have any previous names and addresses which you may not have disclosed
- Whether there’s any undisclosed credit history which is linked to your current and most recent homes
- Any bank account details you provide are for a genuine back account
Bad credit history? Don’t panic…
This doesn't automatically mean you’ll be declined. The best thing to do is be honest and declare your credit history up front. It’s failing to disclose these things which is more likely to see you declined.
- If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.
- Law enforcement agencies may access and use this information.
- We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
- Checking details on applications for credit and credit related or other facilities
- Managing credit and credit related accounts or facilities
- Recovering debt
- Checking details on proposals and claims for all types of insurance
- Checking details of job applicants and employees
Please contact us at firstname.lastname@example.org if you want to receive details of the relevant fraud prevention agencies.
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
Tracking your application
You can track your referencing application online. We’ll send you an email with all the login information, then you need to visit the Tenant Tracker page to view your progress.
What happens when your application is complete?
Once we've finished the referencing process your application will show as ‘Complete’ online. This means that the information has been sent back to your letting agent or landlord.
It's important to remember that letting agents may carry out some additional checks after we've returned your reference, so please wait for them to contact you about your application for the property.