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