Consumer Searches

Credit checks can reveal a lot of information about someone whether they are employed, self employed or unemployed. The information is used by all companies dealing with money lending or other finance related enterprises.

We offer a service whereby we can carry out credit searches on tenants and turnaround the results within 3 hours. We offer discounts on volume to make it cost effective for you.

The following shows the type of information revealed in credit searches:

1. Alias Details – if the tenant is using a different name for day to day activities

2. Notice of Correction – comments and remarks about the tenant detailing further information

3. Electoral Roll – this shows the dates at which the tenant resided at their addresses

4. Public Information – this will reveal county court judgements and bankruptcy searches

5. Previous Searches – shows if there have been excessive credit searches made on the tenant

6. Address Links – sometimes previous addresses are found if they are linked to the tenant

Commercial Searches

We try to cover all the bases when referencing tenants. This means that if a tenant is self employed we will endeavour to ‘check-out’ their company as well.

By doing this we can eliminate some of the uncertainty about the background of the tenant. In some cases it is not possible to credit check the tenants’ company. In these situations we opt to collect information such accounting records, tax returns etc.

By carrying out a check on the tenants company we can determine whether or not we should consider the income received from this. In cases where the company is new or not yet successful we will consider taking a bank reference.

The following shows some of information revealed in commercial credit searches:

1. Company’s last submitted accounts

2. Information on Directors

3. Any mortgage charges / CCJ’s for the company

4. Credit Risk Score