Why run a tenant check?
Yes we advise to check a tenant’s ID at the viewing. Namecheck can verify if they are accurate.
We recommend you do a proper tenant screening as some insurance companies need you to present a proof of vetting all adults in the property when submitting damage claims.
One of the most important steps of any tenant screening process is credit checking.
1. Ask for photo ID/ consent from tenant (normally included in per-tenancy application)
2. Enter full name, address and choose the type of search
3. Pay per name
4. Get your result
Check our sample result Sample result
Make payments on time.
Pay credit card in full.
Limit payday loans and quick finance options.
If you are turned down for a loan, check your credit history and fix any errors before applying for more loans.
Don’t share bills: Make sure your name isn’t on any bills with other people.
Limit credit applications: Every time you apply for credit, the lender will do a credit check. Each check negatively impacts your score. Only apply for what you really need.
Wait for the time limits: Items on your credit history stick around for a set amount of time, four to five years.
Low score: 1 – 300
You’ve probably got payment defaults or other bad data on your file or other bad data such as a bankruptcy, poor payment history (such as paying late). You could also have a high number of credit enquiries, especially recent ones and for small amounts.
Below average: 300 – 500
It could be that you are in the younger age bracket or you may have recently applied for one or more smaller credit facilities or to credit providers that offer services to higher risk customers.
Middle of the road: 500 – 700
Your score aligns with the majority of people. Smaller things will push the score up, such as your age or having a mortgage.
Woohoo! More than 700
Scoring in this range will often be associated with being in the older age groups, having been fairly disciplined with your applications for credit and not making too many applications, having a mortgage and/or an investment property. And constantly paying your accounts on time.
– Missed payments.
– Applying for too much credit.
– Credit transfers.
– Debt collections.
– Hardship applications.
– Payday loan and quick finance applications
– No credit: This can have the same negative impact as having bad credit.
– Defaulting on payments: A default is where a payment over $125 is overdue by more than 30 days and the lender has tried to recover the money. This stays on your credit record even if you repay the amount in full.
A Criminal Record (also known as a criminal conviction history, or CCH) is the history of your criminal and traffic convictions in New Zealand, held on the computer systems of the Ministry of Justice. Our process is paperless and only takes 3 working days.
You can order from here.
You can end up with a bad score for many reasons, such as if you fail to pay your bills, if you apply for credit too often, and even if your partner defaults on a debt that also has your name on it. Your score is determined by how you pay your bills.
Peace of mind
A credit report can give you a good idea of whether or not your tenant will pay their rent on time or not. It is a lawful way of ensuring that you find great tenants.
No one wants to be denied credit
If you’re applying for a loan, credit card, mobile phone or electricity contract it is likely that a credit check will be done. That’s why it is important to understand what is on your credit report.
The process of vetting a tenant has never been easier. Enter your potential tenant details, pay and get your result right away.
Property is a large investment of your time and money. If you're a kiwi landlord looking for new tenants for your rental property, you can't afford NOT to run a tenant background profile check.
See what banks and other credit providers see
Find out what is on your credit report before you apply for credit. Get your most complete credit report so you can a detailed picture of your credit history before you apply.
Trusted by NZ Landlords
Make sure your tenants are who they say they are. Have the full picture on your future tenants.
Useful forms for landlords
Residential Tenancy Agreement
Bond Lodgement Form
Property Inspection Report
House Inspection Checklist
Tenancy Inspection Form
Rental Inspection checklist for tenants
Tenancy Services property inspection report
Tenancy Property inspection
Pre tenancy Application
End of tenancy letter
A guide for landlords and tenants
Residential Tenancy Agreement NZ
What if I need my full criminal record check?
Information for landlords
The landlord’s security against damage or unpaid rent
How much rent in advance can a landlord ask for?
Problem with Renters or Landlords
Information for new landlords
How to complete your entry/exit inspection report?
The dos and don’ts of tenant credit check and conducting background checks
Ending a fixed term tenancy
End of Tenancy
Fixed Term Tenancy
Notice to end Tenancy
Termination of Tenancy
Tenancy services fixed term tenancy
Information pack for new landlords
Make better tenancy decisions with quick, easy and instant result credit checks for NZ landlords since 2015. Peace of Mind.
Save your time and the headache of finding the right tenant for your property.
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