What is a RentPassport™?

Canopy RentPassport™ is your digital rental history.

How can a RentPassport™ help me as a tenant?

A RentPassport™ displays all of the information that an agent would need in order to complete a tenancy agreement. This means that your agent/landlord can access all the information in one place and see live progress and status updates on your journey. Your RentPassport™ will include the following:

• Identity 
• Address History 
• Credit Indicator 
• Income Verification 
• Savings (optional)
• Rent Payments  
• Rental Preferences 
• Full screening: Employment & Landlord References 

This is an example of a RentPassport™:

Credit Indicator

Here you will be able to see your credit indicator which can range from 'Very Poor' to 'Excellent'.  Our Credit report, powered by Experian, requires at least 3 years of UK address history.  You will have to currently or previously be registered at the address under the Electoral Roll, with utility bills or bank account(s) at the addresses in order to locate your Credit profile. This is then reflected on your RentPassport™. The purpose of the Credit Indicator is to provide your agent/landlord with your financial and credit background this highlights any active or satisfied CCJs and will also display any bankruptcy. 

For assistance on how to complete your credit check please see the steps in Credit Check

Income Verification

We verify your income in order to reflect the correct affordability on your RentPassport™. You are given two options when verifying your income, Open Banking and our Manual option. The Open Banking feature connects to your bank and picks up your income payments which are then reflected onto your RentPassport™.

For more information on Open Banking please click here.

The manual journey requires you to upload documents which support your verification of income payments which are then reviewed and verified by our referencing team.  

For a full list of valid documents, click here.

Rent Payments

This section displays your most recent Rent Payments. The purpose of the rent verification section is for you to demonstrate consistency in your rent payments. Similar to income verification, you have the option to use Open Banking which will pick up your most recent rent payments and reflect this on your RentPassport™. You. also have the option to self-certify your rent payments if you pay in cash. or are unable to connect via Open Banking.

We have outlined steps for both journeys in the following articles:

• How to verify rent payments with Open Banking
• I cannot verify my rent payments with Open Banking?

Identity

This displays your personal details including your full legal name, email address, date of birth and contact number.

In order for your identity to be verified, Experian needs to locate your credit profile. In order to do so, we request all applicants to ensure that these details are entered correctly

Address history

Here you will see your full UK address history. Once you have entered your address history, date of birth and full name, Experian should be able to return the credit information necessary to carry out the referencing checks.

We request that you ensure you are registered at all addresses entered under the Electoral Roll, with utility bills or bank accounts under your name in order for Experian to locate you.

Rental Preferences

This is an overview of your rental preferences to assist your agents in finding suitable properties that meet your requirements. For example, whether you would prefer a furnished or unfurnished property or the number of bedrooms that you require. 

Full Screening

Full screening is not part of an Instant RentPassport™ but it is an option which we provide to your agent should they want full comprehensive referencing. If your agent requests full screening you are required to provide details of an Employment and Landlord referee and once a reference is returned and verified this will be displayed on your RentPassport™. 

Employment Reference

The Employment reference displays your

• Company Name
• Job Title
• Employment Status
• Employment Type
• Payment Frequency
• Start date

The purpose of the Employment reference is to give a detailed description and status of your employment. Full Screening: Employment Reference

Landlord Reference

The landlord reference displays your

• Previous address
• Payment frequency
• Tenancy Start Date
• Tenancy End Date
• Rent Amount
• Rent Arrears
• Any damage to the property
• Would they rent to the tenant again.

The purpose of this section is to provide your agent with further information about what kind of tenant you will be. Full Screening: Landlord Reference

Follow the steps in Full Screening on how to complete this section.