With its roots firmly in Credit Management and Risk Assessment, FCC Paragon offers one of the most reliable and accurate forms of Tenant referencing currently on the market.

To date over 60,000 Managing Agents/Landlords have benefited from our services, making us one of the largest independent referencing agencies in the UK.

The emphasis of our referencing operation is on the quality and reliability of the service we provide. A major part of the service we provide for Letting Agent's and Landlord's is taking away the risk involved in choosing the right Tenants for your property. All you have to do is provide us with the completed application form and let us do the rest. Your two page report, with our recommendation as to whether the tenant is suitable, will be with you in approximately 24 or 48 hours depending on which service was requested (subject to referee availability).

Every full reference response we send out has the benefit of the following:

Credit History Check
Using the information provided by Call Credit, We are able to confirm:

• Verification of the Voters Roll. If they are not presently listed, this does not necessarily mean they will be unacceptable. Proof of residency will be requested.
• County Court Judgements/Bankruptcies
• Locate Information. This can be used to discover ‘hidden’ addresses.
• Other search information(footprints)

Tenant's Database
Our Tenants’ Database contains hundreds of thousands of Tenant records, collated from details provided by Letting Agents, Landlords and our own claims records. Each new application is automatically searched against our database. Should we record a defaulting Tenant we will update our database accordingly.

Managing Agent / Landlord's Reference
On each application a written reference is obtained from the previous managing agent/landlord. Should the prospective tenant have only rented from them for a short period of time we will also apply to the managing agent/landlord prior to that. This means you will always have a full 6 month’s history of your tenant’s previous accommodation. From this information we are able to assess whether they paid their rent on time, have a history of arrears and whether they treated the property in a correct and proper manner.

Character Reference
Although not always essential, it can provide a valuable insight into the applicants personality and a better profile of their character. We would ask that no family member or employer is given as the referee.

Employment Reference (or any other financial income)
Reference requests are sent to all current employers to ascertain whether the applicant is employed, in what capacity, whether this is a permanent or temporary position and their salary details.
If they are self employed, we will request either an accountant’s reference, P60, or bank statements etc., whichever your tenant can provide most easily. If they receive their income from a Pension, either personal or company, again we will request various documents direct from the tenant. Should they receive any other type of income, then your handler will speak with the tenant direct with regard to the type of documentation required. From the information provided by this section and also the information found within the credit history, we are able to ascertain whether the prospective tenant can afford the rental payments, and whether he will be employed for the full length of the tenancy.
Should the applicant have been employed for 6 months or less we will also apply to their previous employers for a reference. This is essential to confirm continuity of employment.