A division of Ronan Property Services
For the Investor/Landlord/Developer
Potential Tenant/buyer Credit Checks:
Buy & Save online from our shop
Platinum Tenant Check
This highly comprehensive report checks the past history of a tenant (or guarantor) to identify any financial issues that could affect their suitability to take on a tenancy agreement. The actual search also includes a "linked address search", thus should a tenant have adverse history linked to previous addresses that they haven't told us about, we will find it!
County Court Judgments (CCJs) for the last 6 years with financial values awarded, the date the award was made, and the court reference.
Any details of Bankruptcy filed against the tenant over the last 6 years.
Any record of Insolvency filed over the
last 6 years.
Electoral Roll evaluation
Is the tenant confirmed on the public electoral register?
How long was the tenant recorded in the register at the current address?
Details of any family or associates of the tenant found in the electoral register at the current address
Identification of any previous addresses for the tenant found in referencing databases
Overall tenant risk rating
A risk score is provided for the tenant categorising them across a range from high risk to low risk with an indication as to probability of the tenant defaulting.
also provides additional tenant analysis by cross-checking the tenant
name and address with Insight financial databases. There are two
benefits of this data analysis; one is additional verifications of
tenant identity, the other is an assessment of "financial stress" e.g.
where a tenant has an excessive number of financial accounts.
A summary of any financial accounts (such as bank, utility, mail order, financial services lenders) that link the tenant to the address provided. Note; that this will only summarise the type of accounts found and will not detail the actual company/lender.
Identification of any alias names used by the tenant.
The number of credit searches performed by other agencies in the last 6 months for the individual. If there is high activity it may suggest cause for concern.
Additional checks against the tenantís previous address listing details found in the public electoral register and any account information found from Insight linking the tenant to the previous address.
Employer name and telephone number. This is a basic check that searches referencing databases to identify that company name and telephone number are matched. For example we sometimes find that a prospective tenant gets a friend to use their private number to 'act as the employer'
A verbal reference check with the current landlord or letting agent. Please note that some letting agents will not provide references, in these cases we will advise in the report.
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