Tenant Screening Frequently Asked Questions (FAQs)

 

We already use a company and have credits with them, why should we move?
We deal with everything in house?
What kind of volumes can you handle?
We do some screening but not much, what’s the benefit of using you?
Screening Tenants is a much of a muchness, what makes you different to all the others?
What do you do if a screening goes outside of its timescale?
How will you manage our business requirements?
What information will I get back on the final report?
What happens if bad history is returned?
What if there are multiple applicants but one fails?
How do I decide what type of referencing I should carry out on a prospective tenant?
Can I get a screening carried out on a Company?
When will we need a guarantor?
Under what circumstances would you decline a tenant or guarantor?
How do I pay for your services?
Can a prospective tenant or guarantor complete their application online?
What does a credit report tell me?
Do you offer volume discounts?
How can I tell the applicant that his/her application has not been accepted?
Do I require written consent from the applicant to run a credit check?
What are your days and hours of operation?
I have login problems. How should I proceed?
How long does it take to receive a Report?
How do you obtain references?
Does a tenantscreening.co.uk report leave a trace on the applicant's credit record?
Can I check the progress of an application?
How is my Report delivered to me?
Can I pay over the telephone?
I do not have a credit or debit card. Can I still use your services?
Do I have to complete every section of the application form?
I am a prospective tenant. Can I order a Report to show to potential landlords?
How can I verify my tenant's identity?
How does the Tenant Screening system work?
Multiple Tenants - Should I check them all?
I am concerned that my tenant or guarantors will not want to divulge salary, bank account and other quite personal details. Will this be a problem?
My report has come back with a caution saying my tenant cannot be located at the address/s provided - what should I do?
My Rent Guarantee policy requires me to do checks with an agency using Experian or Equifax. Can you confirm you use either of these companies to carry out your checks?
What is a FICO Score?
Do you obtain a written reference?
Can I track the progress on my applications?
What support do I have?
Who would be an acceptable guarantor?
Isn't a thorough interview of a prospective tenant enough?
Can I submit tenant screening by post or by fax?
What makes you different from other screening companies?
How do you compare in regards to pricing against other companies?
Are there any hidden fees?
How long does a screening take?
I’ve seen credit checks for less than you, why is that?
I’m a landlord why should I pay to screen a potential tenant?
We handle our screenings in house, what is the benefit of using Tenant Screening?
Why do you offer a Pay as you Go option rather than strictly subscription?
We have credits with another company but want to use you, can we transfer them?
You mention the ‘human element’ when it comes to decision making, does that put me more at risk?
Do I have to enter the same property details more than once?
Will I be passed back and forth with you guys?

 

What do you do if a screening goes outside of its timescale?
If a screening is looking like it will not be completed in time, we will advise both the letting agent and the applicant of the difficulties. We will also ask the applicant to chase the referee as well as chasing them ourselves.

 

How will you manage our business requirements?
At Tenant Screening, you will be allocated to an agent who will deal with your account, this will allow the agent to gain an understanding of your requirements as well as allowing a rapport to be built between them and yourselves

 

We already use a company and have credits with them, why should we move?
We believe that we offer better packages at a lower price than our competitors. We are that confident of this that we offer a price guarantee, if you manage to find a competitor offering the same in depth packages at a lower price, we will match this price.  Our online system means that you will have minimal involvement with the screening process but will still have access to monitor this from start to finish, saving you time whilst ensuring that a tenant is screened to the highest possible standards.

 

With Tenant Screening, you are also allocated your own account manager who will manage all of the screenings that you process, this will allow a rapport to be built between both parties and any issues that may arise can be dealt with immediately.

 

We deal with everything in-house
Is it possible that using a screening company will save you time and money? We offer an array of cost and reducing packages, powered by Equifax, to screen tenants to a high standard. A recommendation is also provided as to the tenant’s suitability reducing the risk of the possibility of housing a bad tenant.

 

What kind of volumes can you handle?
As you are allocated your own account manager, handling volumes will not be a concern. The individual will be able to ensure that strict deadlines are met and this is reflected in our X% success in completing an application within its turnaround time. If a screening is looking like it will not be completed in time, we will advise both yourself and the applicant of the difficulties. We will also ask the applicant to chase the referee as well as chasing them ourselves.

 

We do some screening but not much, what’s the benefit of using you?
We believe that we offer better packages at a lower price than our competitors. We are that confident of this that we offer a price guarantee, if you manage to find a competitor offering the same in depth packages at a lower price, we will match this price.  Our online system means that you will have minimal involvement with the screening process but will still have access to monitor this from start to finish, saving you time whilst ensuring that a tenant is screened to the highest possible standards.

 

With Tenant Screening, you are also allocated your own account manager who will manage all of the screenings that you process, this will allow a rapport to be built between both parties and any issues that may arise can be dealt with immediately.

 

Screening Tenants is a much of a muchness, what makes you different to all the others?
We believe that the key to operating successfully in the tenant screening market is not just to offer the “computer says no” response but to ensure you are giving bespoke advice to each and every negative or borderline case.  There are generally ways to convert some cases to approvals while not leaving the landlord exposed to unnecessary risk. Our business processes are designed to offer landlords and letting agents a quick response that is focussed on getting tenants housed efficiently while also limiting risk. This is reflected in our high pass rate

 

What information will I get back on the final report?
The information returned is based upon the type of screening that you select. A basic screening will return the applicant credit history. This will search for residency and identity verification, any adverse history the applicant may have and any alerts that may be against the applicant. Finally, the applicant’s credit score is confirmed. In regards to an enhanced and express plus screening, you will also receive an employment reference and where applicable, a landlord reference. A recommendation is then provided as to whether the tenant is suitable or not for the application.

 

What happens if bad history is returned?
If a bad credit history is returned, we look at the circumstances and see if there is a way for the tenancy to be put forward with a suitable outcome for all parties. This could be that a guarantor is recommended or a higher deposit is put in place. If an applicant’s history is at a point where these recommendations cannot be provided, the tenancy agreement would not be recommended.

 

What if there are multiple applicants but one fails?
Although the screenings are started on an individual basis, if we can see that there are multiple applicants at an address processing at the same time, the final recommendation is not made until both applicants screenings are completed. Therefore, our recommendation can then be made based on the information collected on all applicants.

 

How do I decide what type of referencing I should carry out on a prospective tenant?
This is dependent on how in depth you would like the screening to be. If an applicant can pay all rental upfront or if you have seen proof of salary that you are happy with then a Basic Screening would suffice. However, if you would like this more in depth and references obtained; the enhanced or express plus would be the best choice as a recommendation is also provided.

 

Can I get a screening carried out on a Company?
A Company Screening can be completed where a company will be looking to lease a property or to pay the lease for an employee. We will verify the companies registered and trading addresses, confirm the director history and advise of the companies credit worthiness.

 

When will we need a guarantor?
A guarantor will be suitable if the applicant’s salary is within 10% below the calculated affordability value.
A guarantor can also be added where an applicant has returned a low credit score or adverse history but salary confirmation has been verified above the affordability.

 

Under what circumstances would you decline a tenant or guarantor?
If a tenant or guarantor returns adverse history that they have not declared when they have had the opportunity to do so, then their application would immediately be declined.

 

The outcome would be the same if a large minus score is returned or if the applicant cannot meet the affordability.

 

How do I pay for your services?
You will have the facility to use the online system as a Pay As You Go feature, making payment via Debit/Credit Card or through PayPal.
Alternatively, monthly invoicing can be arranged by contacting your account manager who will set this facility up for you. Invoices will be sent on the 1st of each month and can be completed via PayPal, Bank Transfer or Cheque.

 

Can a prospective tenant or guarantor complete their application online?
Yes, our online system will allow you to send a link directly to a tenant or guarantor via e-mail. This will allow them to enter the required details and return the information to you, once returned, you will receive an e-mail notification. You are then able to check the information and be sure that you are happy with what is provided before progressing to the payment screen.

 

What does a credit report tell me?
The credit report will look for address and identification verifications against the applicant such as are they on the electoral roll? It will also advise of any adverse history that the applicant may have as well as providing the applicants credit score.

 

Do you offer volume discounts?
It is possible for volume discounts to be offered. Tenant Screening will review your volumes after a three month period to decide if the volumes processed meet the criteria in which discounts are offered going forward.

 

How can I tell the applicant that his/her application has not been accepted?
The recommendation that is made in the final report will outline the reason(s) as to why an applicant may not be suitable to be put forward for a property. The information that is returned will be sufficient to relay to the applicant and will be clear for them to see why this has failed.

 

Do I require written consent from the applicant to run a credit check?
If an applicant has completed the form via the e-mail link, they are confirming their details at the end of this process and written confirmation is not required.

 

If however an applicant is completing a Tenant Screening application form, you must ensure that this is signed by the applicant before a credit check is completed.

 

What are your days and hours of operation?
Our offices are open from 8:30 am – 17:30 pm Monday to Friday.

 

I have login problems. How should I proceed?
If you have forgotten your password to log in, you can simply select the ‘Forgotten Password’ option under the log in request.

 

If a forgotten password is not the issue, it is recommended that you contact your Tenant Screening account manager who can investigate this for you.

 

How long does it take to receive a Report?

The interim report which advises of the outcome of the credit check is received instantly and will advise if the credit check is approved or if it needs to be deferred to Tenant Screening for review. The final report is provided either instantly (Basic Screening), within 24 hours (Express Plus) or finally 48 hours (Enhanced)

 

How do you obtain references?
If an e-mail address is entered upon the application, an e-mail will be sent to that individual requesting a reference to be completed. If this is not entered, your Tenant Screening account manager will contact the relevant individuals to pursue references whether these be written or verbal depends on the type of screening submitted.

 

Does a tenantscreening.co.uk report leave a trace on the applicant's credit record?
Although there will be a trace that a tenant check has been completed, the check itself will not have any effect on the individuals credit score.

 


Can I check the progress of an application?
You can check the progress of any application that you have submitted by simply logging into your online account. This will allow you to view all notes that have been added to an application as well as view any references that have been returned.

 

How is my Report delivered to me?
Once completed, the final report will be sent to the e-mail address that you have submitted when completing your account setup. This will be sent to you in the form of a PDF File.

 

Can I pay over the telephone?
Yes, if you have got to the confirmation page and would like to complete payment over the phone, you can contact Tenant Screening where an agent will go through the process of this.

 

I do not have a credit or debit card. Can I still use your services?
Yes, we can accept payment in other forms such as bank transfer, PayPal or cheque

 

Do I have to complete every section of the application form?
You have the facility to send the required application details to an applicant through the ‘save and send’ facility. They will then complete the details and an e-mail is sent to you to confirm once they have completed this.

 

If you are entering the details from an application form that has been completed by the applicant, then all mandatory fields will need to be completed.

 

I am a prospective tenant. Can I order a Report to show to potential landlords?
Yes, if you wish to complete a screening on yourself, there is no reason that you are not able to do so.

 

How can I verify my tenant's identity?
There are two ways in which this can be done, firstly by obtaining an identity document from the applicant such as a passport or driving licence. The second is from the credit report, this will actively seek identity markers for the applicant.

 

How does the Tenant Screening system work?
Go to tenantscreening.co.uk and register for your free account. Have your tenants complete Tenancy Application Form which you can e-mail then direct from the system. Login to your account and submit the required information. Pay on-line through the secure payment system. You will receive your e-mail notification with your report and it will also be stored in the system for future reference.

 

Multiple Tenants - Should I check them all?
Yes, although one person may look to be the main applicant, it is crucial that all tenants are screened. The reason for this is that the main applicant may have no adverse history and of good credit worthiness but this may not be the case for the other tenant(s).

 

 

I am concerned that my tenant or guarantors will not want to divulge salary, bank account and other quite personal details. Will this be a problem?
A basic screening can be completed without this information. However, this will purely be a credit check and will not advise on the tenant’s ability to cover the affordability. If references are required, this information will need to be submitted.

 

My report has come back with a caution saying my tenant cannot be located at the address/s provided - what should I do?
This could be that the address has not been recognised or that there may be a slight error. It is possible to check how an address should be entered on the Royal Mail website under address finder. Alternatively, if you contact your account manager, they can also look into this for you.

 

My Rent Guarantee policy requires me to do checks with an agency using Experian or Equifax. Can you confirm you use either of these companies to carry out your checks?
Yes, Tenant Screening is powered by Equifax and the credit check information is obtained through them.

 

What is a FICO Score?
FICO (Fair Isaac Corporation) based in the USA developed a method of credit scoring now widely used and recognised among the main credit reporting agencies including Equifax and Experian. They calculate a borrower's credit score based on information held on the individual's credit file using their own different computational formulas and statistical methods to determine a credit-worthiness score.

 

Do you obtain a written reference?
Written references are obtained for enhanced screenings.

 

Can I track the progress on my applications?
Yes, simply by logging in to the online system you will have the facility to view all applications and at what stages they are currently at from start to finish.

 

What support do I have?
We will allocate you an Account Manager when we open your account and they will be available to advise you on issues such as referencing criteria and processes and resolve any issues you may have?

 

Who would be an acceptable guarantor?
A guarantor would need to be a home owner and have a higher affordability value than a tenant. It is also recommend that a guarantor is a family member of a tenant.

 

Isn't a thorough interview of a prospective tenant enough?
No, although interviewing a prospective tenant may give you an insight to them as an individual, it does not tell you of their credit/financial situation and you are leaving yourself exposed for a difficult tenant.

 

Can I submit tenant screening by post or by fax?
It is possible to submit applications through these methods. An agent will process the application but will then contact you in regards to making payment.

 

What makes you different from other screening companies?
Intelligence Led responses. The key to our success has been ensuring customers are given bespoke advice regarding each and every negative or borderline case. Relying solely on a formula based credit score for a ‘yes’ or ‘no’ decision without considering other circumstances is an antiquated method we avoid.

 

Our aim has always been to make sure the landlord is not exposed to unnecessary risk and our business processes are designed to offer landlords and letting agents a quick, intelligence lead response that is focussed on getting tenants housed efficiently while also limiting risk.

 

How do you compare in regards to pricing against other companies?
Our in-depth market research has moulded our pricing to offer exceptional value for money. We believe that the pricing for our screening packages based on how in depth they are cannot be beaten by other screening companies. In fact, we are that confident, we have a price guarantee in place that if you find a package offering the same in depth checks as ours at a cheaper price, we will match it.

 

Are there any hidden fees?
Tenant Screening has no hidden fees, our screening is simply based on a pay as you go basis. It is free to register with Tenant Screening and you will not be subjected to any membership fees, even if you have an account that does not get used.

 

How long does a screening take?
The completion times vary between each screening. A Basic ID and Credit Check will be completed instantly unless there is a reason for an agent to review any potential alerts. The Enhanced tenant screening is within a 48 hour period and the Express Plus screening is with 24 hours. However, please note that the screenings that require references may fall outside of these timescales due to the cooperation of the referees.

 

I’ve seen credit checks for less than you, why is that?
The confusion lies with the varying degrees of what a credit check is. Tenant Screening products encompass a full credit check.

 

I’m a landlord why should I pay to screen a potential tenant?
If nothing else; peace of mind. We very strongly believe in the do it right, do it once ethos and recommend some form of reference. Fraudulent or undesirable characters.

 

We handle our screenings in house, what is the benefit of using Tenant Screening?
Information in one place. Statistically if you take more than 2 hours to complete a reference start to finish then we can save you money. If you have a credit score cost on top of that the bottom line is you are paying too much.

 

Why do you offer a Pay as you Go option rather than strictly subscription?
Our system is very flexible and versatile, ideal for anyone who needs to screen prospective tenants regardless of their size or volume.

 

We have credits with another company but want to use you, can we transfer them?
Unfortunately, it is not possible for credits to be transferred from another company.

 

You mention the ‘human element’ when it comes to decision making, does that put me more at risk?
No, rather than a standard output made by a system, all applications are dealt with on a case by case basis. Our account managers are all experienced in the fraud sector and will make their recommendations based on the information returned.

 

Do I have to enter the same property details more than once?
No, a property database is created every time you enter a property. This means that the property is available from a drop down menu and the details pre-populated should it be used again.

 

Will I be passed back and forth with you guys?
No, you will be allocated a dedicated account manager so you have one port of call for any needs that arise.

SERVICES

  • Instant Credit Check
  • Instant I.D Checks
  • Full Referencing
  • Full Income Verification

QUICK LINKS

TenantScreening.co.uk

Telephone: 0845 5650275

Email: info@tenantscreening.co.uk
Tenant Screening | Registered Office: Swatton Barn, Badbury, Swindon, Wiltshire, SN4 0EU I Company Registration No. 5645374 I Registered in England and Wales