Comparison
Tenant screening vs a credit check
They're often confused, but they answer different questions. A credit check looks backwards at credit history; tenant screening looks at whether thistenancy is affordable and stable. Here's how they compare and when to use each.
At a glance
| Feature | LetLogic screening | Credit check |
|---|---|---|
| Assesses affordability vs rent | Yes | Partial |
| Weighs income stability | Yes | No |
| Shows credit history / CCJs | No | Yes |
| Explainable, plain-English summary | Yes | No |
| Suggests follow-up questions | Yes | No |
| Result in seconds | Yes | Partial |
| Hard search on credit file | No | Partial |
LetLogic is a screening aid, not a credit check, referencing report, or legal advice.
When screening helps most
Early on, when you're comparing several applicants and need a fast, explainable read on affordability and stability before spending on formal checks.
When a credit check helps most
Later in the process, to confirm credit history and surface adverse markers like CCJs or defaults before you sign a tenancy agreement.
Frequently asked questions
Do I need a credit check if I use tenant screening?
They answer different questions. Screening tells you whether a tenancy looks affordable and stable; a credit check shows credit history and adverse markers like CCJs. Many landlords use screening to triage, then run a credit check or formal referencing before signing.
Does LetLogic run a credit check?
No. LetLogic is an explainable screening aid and does not search credit-reference agency data or perform a hard credit search. It assesses the application you provide.
Which is better for spotting risk?
Neither alone is complete. A credit check surfaces past credit problems; screening surfaces affordability and stability risk for this tenancy. Used together they give a fuller picture.
See screening in action
View a sample report, or read the full tenant screening guide.