How Do I Interpret a Credit Report and Identity Check?

A Credit Report and Identity Check delivers an easy to understand set of indicators as to the existence and authenticity of an individual and all through a single search.

Credit Report

Credit Score

The credit score is a numerical score between 0 and 500. It may be interpreted as follows:

  • 0-99 - Very High Risk - we do not recommend you consider this tenant
  • 100-199 - High Risk - could be a suitable tenant with extra protections such as a guarantor
  • 200-299 - Moderate Risk - may be a suitable tenant with extra protections such as a guarantor
  • 300-399 - Low Risk - likely to a suitable tenant
  • 400-500 - Very Low Risk - likely to be a good tenant


Names identified as aliases of the subject.


Details of financial associates of the subject.

Linked Addresses

A list of addresses linked to the individual will also be included in the AML Check. You can click through to see more information on the address such as Electoral Roll details.

Electoral Roll

Details of the individual and associates on the electoral roll at the address will be included if there are any matches.

Court and Insolvency Information

Details of any bankruptcies, insolvencies or County Court Judgments.

Notices of Correction

Statements to explain potentially misleading information.

Identity Check

The results are delivered through an easy to understand Pass/Refer outcome and three digit profile.

The minimum requirement for a Pass is:

  • 2 Residency matches
  • 1 Identity match and
  • 0 Alerts

Anything less will result in a Refer outcome which suggest that you should obtain more information such as photographic identification.

Residency Checks (2)

  • Presence on Electoral Roll
  • Presence of credit agreement with different lenders
  • Presence on BT telephone database
  • Presence of court data

Identity Checks (1)

  • Date of birth match on Electoral Roll
  • Date of birth match on credit data
  • BT telephone database match

Alerts (0)

  • HM Treasury Sanctions
  • Senior Political Figures
  • Halo (Deceased)
  • Office of Foreign Asset Control


Video Guide

Topic: Letting

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