The Rental Exchange

Treating Tenants and Homeowners Equally

    It will help tenants to:

  • Create an ‘online’ proof of identity - increasingly important when applying for goods or services
  • Build a positive credit history to help increase access to mainstream credit

    It will help housing providers to:

  • Provide steady long-term leases based on proven track history
  • Identify those tenants who are financially vulnerable and enable you to target your support services more effectively

    It will help credit providers to:

  • Make fair and accurate decisions when evaluating new and existing customers
  • Offer services to help a wider group of consumers


The initiative

Big Issue Invest (the social investment arm of The Big Issue Group), in partnership with Experian, has developed The Rental Exchange to tackle the financial, digital and social exclusion challenges faced by rental tenants in the UK compared to homeowners.  By observing rental payment data in the same way we view mortgage payment data, we can unlock a range of benefits for tenants, housing providers and credit providers.

The Rental Exchange incorporates a tenant's payment history in their credit file in a secure and compliant way, with no cost to either the housing provider or tenant.

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