OpenRent Community

Tenant failed referencing with two CCJ's

Hi Guys,

Wanted to get your thoughts on the situation. A prospective tenant has failed their referencing because of two CCJ’s amounting to £1250. I’ve asked for additional information from the prospective tenant and they advised they got into the debt after a broken marriage and it was their now ex partner who racked it up in their name. What are your thoughts on accepting on tenants who have had CCJ’s? Would you completely avoid them, regardless of the situation?

thanks in advance

Yes maybe they will be ok… but there are so many tenants why would you take risk? ok tenant with no ccj can be bad not the pay the rent too, but better to be safe than sorry,. Imaine if they do not pay rent on time you will be kicking yourself !

ccjs can be ok sometimes but would not take without a garantor

people should get a seocnd chancce. everyone is tard with the same brush too often not everyone who has been in debts is the same, you could have been ill or had an emergency but people dont care.


None of my past tenants have passed referencing. Go with your gut, if they seem decent and normal and have secure professional jobs then may be okay.
Only one bad experience, a bar manager and his disabled wife, had to cut my losses and ask them to leave. loads of debt letters still coming for them.

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CCJ is not the only measuring tool to assess the ability of some body to pay rents. He/She may be in debts but not registered with CCJ. How do you assess that person?

Most credit references do not have information about rents but address records and simply rejecting a potential tenant because of CCJs is disputable. There are those who have made payment plans for CCJs and such information is unavailable on reference sites; hence, making CCJs a probability propensity to depend on.

There is always a degree of risk in any business and if you do not risk, you will not make any profit and it’s a basic business principle. Follow your guts and give people their chance in life.

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Really good point Canisius - I totally agree. Referencing is just one tool landlords have to assess risk. Landlords should consider all information about tenants and consider them each on their own merits, instead of making choices based on one factor, e.g. CCJs.

if you are in doubt ask them to send you 3 months bank statements (they can delete account numbers). this will give you a snapshot on what income he has and what expenses he pays for. if you see rent coming out every month chances are he will pay his rent. if you see loads of Wonga loans, many large atm withdrawals, sporadic income coming in and rent/utilities not on dd it is not a good omen

if they don’t want to disclose the bank statements get rid

Great Sam. At least we have the same opinion.

One other issue that bothers me is why OpenRent charge tenants £20 for a comprehensive reference check while any body could get the same report from Expirient for just £2. It is possible to review these charges?

I think they will be scrapped in a week anyway.

Hi Canisius, a credit check is just one part of Comprehensive Referencing. Comprehensive Referencing includes, e.g. contacting the previous landlord and the employer, which aren’t included in a simple credit check.

Hi Sam

Thanks for the quick response. Please my question was the cost. Whether £20 is not too much to ask


Hi, OK Sure — I meant that one of the reasons it doesn’t cost £2 pounds like the credit check does is that it includes a credit check, plus several additional things, all of which take some additional resources to obtain.

avoid anyone with a ccj.

PS they may of course be making arrangements to pay it off and be able to prove this to you.