credit file - who gets it?
General Discussion

nicest landlord
nicest landlord
478 Thanks
1,820 Posts
3 weeks ago
I have a house on the market inner city Manchester. My automatic response with Openrent as well as listing 9 questions lists 6 things they need to bring to a viewing. Number 6 is their credit file. I find this a valuable tool especially with Experian or Clearscore where I can find their credit card balance. I will not offer a viewing unless they confirm they have their credit file ready to show me (if they like the house). Here's my experience this time. 90% of applicants are foreginers who don't know what a credit file is. The most common response is "I have no credit so I don't need one." Am I stubborn or sensible? The tenants I favour are people over 30 yrs who have been in UK 5 years so if they are rubbish with money their credit file will show me... By the way I am not a great fan of NRLA credit check which shows me all their previous addresses but not their current credit balances....

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