landlords combined document of checks

Referencing, Foreign National and Identity Checks

This is a summary of the detailed checks carried out by FCC Paragon, on any perspective tenants proposed

by Beresfords.

FCC Paragon carryout robust comprehensive checks, below is a sample of some of those, each case is assessed by some or all of the following checks (as applicable):

Referencing Checks: n

Credit Check with Call Credit - Linked Addresses/CCJ’s/Bankruptcies/IVA’s etc.

n

Tenants Database Check (where all previous applications and their results are stored)

n

Affordability Check

n

Employment Check/Self Employed Assessment/Pension/Additional Financial checks (savings/bonds)

n

Previous Living Check

n

Current Living Check

n

Anti-fraud checks

n

Foreign Nationals current UK Status

n

Consecutive 12 months addresses (searched and updated via API)

n

Consecutive 6 months tenancy references obtained

n

Additional addresses searched

n

Alternate/alias/maiden names searched/investigated/updated

n

Applicants Name cross referenced with ALL references/attachments

n

Request proof of residency if applicable

n

Validate employers

n

Distance Checks (home/work)

n

Google Checks

n

Accountants Checks

n

Adverse credit - checked, investigated and updated

n

General questions - checked, investigated and updated

n

Plus other anti-fraudulent checks

ID Checks: (regardless of nationality in addition to above) n

Exact Individual Match Level

n

Name Matched

n

Name Picklist returned?

n

Verified?

n Address Warnings e.g. Matched address, most recent address, address links warnings, address picklist returned, address warnings, address matched to postcode/address file, number of address links, gone away. n

Found on ER

n

ER warning

n

Confirmed DOBs

n

Director at home?

n

DVLA warning?

n

Details of corrections

n

Passport Warning

n

Passport mismatch to algorithm

n

Politically exposed person?

n

Sanctions Database

n

OFAC Database

n Death Registers e.g. Deceased, on GRO register, on Halo register, on REad register. n

Number of SHARE records found

n

Total DOBs from share records

Foreign National Checks Beresfords will n

ID the applicant

n

Retain and provide certified copies of original documentation to referencing company*

* These can be easily uploaded.

Paragon will n

n

Upon receipt of documentation cross check the following: n

Name

n

Nationality

n

Date of birth

n

Corroborate with the Visa (if applicable)

n

Expiry date

n

Conditions / Restrictions

Provide a reminder service 30 days in advance of any Visa requiring renewal

CM3010-0001