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Helping you to improve your credit score

We think you should get credit for paying your rent on time

Have you ever been refused credit because your credit score isn’t good enough? Did you know that paying your rent on time doesn’t count towards your credit rating? Well we don’t think that’s fair.

That’s why we’ve teamed up with the Big Issue to support the ‘Rental Exchange’ project.

The project is run by Experian – they’re the UK’s biggest credit reference agency and we think that by teaming up with them, we can help you to build a better credit profile.

Why do I want a good credit score?

We think tenants who pay rent should be able to use that to build up a good credit profile. If you were paying a mortgage it would count – but at the moment, your rent doesn’t.

A good credit score can be really useful for things like:

  • Opening and changing bank accounts
  • Getting a better deal on your mobile phone contract
  • Getting better deals on your gas and electric
  • Preventing identity fraud

What happens next?

We will share your tenancy information with Experian, including your rent history. But don’t worry - both Stockport Homes and Experian will make sure that your information is treated in accordance with the Data Protection Act, so you can have peace of mind that it will be kept secure and confidential.

What do I have to do?

The great news is – you don’t need to do anything! We’ll sort it all for you.

I’m struggling with my finances

We know lots of people are struggling with their finances at the moment. That’s ok – there are plenty of people who can help, our Money Advice Team are here to help – you can call them on 0161 217 6016.

Got more questions?

We believe that the Rental Exchange has benefits for most of our tenants. If you’re not sure, or you have any questions please contact the Customer Finance Team on 0161 217 6016.

You can also read the leaflets below:

Rental exchange FAQs for tenants

Rent exchange tenant information brochure

Rental Exchange Privacy Policy

Not only will we be able to work with you more closely to manage your existing tenancy agreement, your track record as a tenant will enable Experian to use the information supplied to them to assist other landlords and organisations to:

• assess and manage any new tenancy agreements you may enter into;
• assess your financial standing to provide you with suitable products and services;
• manage any accounts that you may already hold, for example reviewing suitable products or adjusting your product in light of your current circumstances;
• contact you in relation to any accounts you may have and recovering debts that you may owe;
• verifying your identity, age and address, to help other organisations make decisions about the services they offer;
• help to prevent crime, fraud and money laundering;
• screen marketing offers to make sure they are appropriate to your circumstances;
• for Experian to undertake statistical analysis, analytics and profiling,
• and for Experian to conduct system and product testing and database processing activities, such as data loading, data matching and data linkage.

If you would like to see more information on these, and to understand how the credit reference agencies each use and share rental data as bureau data (including the legitimate interests each pursues) this information is provided at (Credit Reference Agency Information Notice (CRAIN). 


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Page last reviewed 11/02/2019
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