As part of your instant RentPassport™ you must complete the 'Credit check' section. The purpose of the credit check is to verify your identity, provide your agent with a credit background and see if you have any adverse financial history.
Your credit check will also help in seeing if you qualify for DepositFree™ Insurance. This will show the agent your reliability in terms of regular payments.
We are powered by Experian who provide us with your financial and credit background. Please note that not everybody will be have a credit profile, as Experian need to have a certain level of data attached to you in their databases in order to provide a profile. This data could include electoral roll registration, utility bills under your name or a bank account associated at one or more of your previous addresses.
Select the 'Credit check' section on your RentPassport™.
If you have not lived in the UK for more than 6 months, you will not have enough of a credit footprint in order for Experian to pull this information. Not to worry as this will be reflected on your RentPassport™, you will just need to answer the following question correctly:
If you have lived in the UK for longer than 6 months and have been registered at one or more of your addresses, click "Yes" and you will be asked to confirm your details. Input your full legal name, date of birth and contact number.
You will now be asked to input your full address history. Similarly to Experian, we recommend entering at least three years to get an accurate credit history.
Enter the addresses using the postcode finder at the top of the screen. Once this has been populated ensure the details are correct and add the date you moved in. Click done and repeat the steps if necessary.
Mandatory fields are marked with an asterisk (*). Please ensure you have included a house number or name to proceed.
This section is now complete and you will see a credit indicator which reflects where you fall within Experian's credit indicator. Please see the example below.