PIMS Instant Credit Checks help landlords and letting agents review an applicant before granting a tenancy.5 FREE with membership & extra from £1.50 Credit checks are a PIMS member service. Vetting without a credit check is not vetting.
Watch the PIMS Credit Check Walkthrough
Play the video to see how a PIMS credit check can reveal address links, public records and credit risk information before a tenancy is granted.
▶ Play the video before running a check
What a PIMS Credit Check Can Show
A credit check can help confirm whether the applicant’s details match wider credit and public record information.
- Current and linked address history
- Electoral roll and address confirmation indicators
- County Court Judgments and public record information
- IVA, debt and adverse credit indicators where available
- Credit score and risk information
Consent is required
You must obtain the prospective tenant’s consent before carrying out a credit check. This is normally recorded through the PIMS tenancy application form.
→ Tenancy application form
Included with PIMS Membership
PIMS members receive 5 credit checks each year, available instantly online. Letting agent memberships include 10 checks each year.
PIMS encourages credit checks as part of good tenant vetting. Proper checks at the start can reduce the risk of arrears, disputes and stressful possession action later.
Additional Credit Checks
Additional credit checks can be purchased in blocks as shown below.
| Quantity |
Unit Cost |
Total (Ex VAT) |
Invoice & VAT Totals |
| 4 |
£2.50 |
£8.33 |
£10.00 |
| 10 |
£2.00 |
£16.67 |
£20.00 |
| 25 |
£1.80 |
£37.50 |
£45.00 |
| 50 |
£1.70 |
£70.83 |
£85.00 |
| 100 |
£1.60 |
£133.33 |
£160.00 |
| 200 |
£1.50 |
£250.00 |
£300.00 |
For orders over 200, contact us to discuss prices. Credit purchases expire after 12 months from the date of purchase.
Example Report Summary
This is a simplified example only. A full report provides a much more detailed audit trail of linked addresses and public record information.
Credit score: Higher risk range
Public records: Active judgment information may be shown
Address history: Linked addresses may be identified
Risk indicators: Address mismatch, undisclosed previous addresses, adverse credit or public record activity
The full report may draw on data from banks, finance providers, mobile phone companies, utilities, online shopping and other credit-related sources. This can help landlords identify address links or history that an applicant may not have fully disclosed.
PIMS note
A credit check is one part of tenant vetting. Landlords should also consider affordability, references, identity, Right to Rent, guarantor suitability and the overall application before granting a tenancy.