ScoreTenant Interactive Operations & Referencing Playbook
End-to-end qualitative behavioural scoring, CRA dispute resolution, and bilateral rental passport architecture.
Why ScoreTenant? — The Qualitative Advantage & Reputational Deterrence
There is literally zero product in the global credit bureau market that captures qualitative rental behaviour. Experian, Equifax, and TransUnion are passive digital harvesters of financial transactions—they are behaviourally blind. When a landlord suffers a catastrophic £15,000 write-off, it isn't because the tenant had an imperfect credit card score—it's because they covered smoke detectors to smoke indoors, dried wet laundry on radiators with windows sealed shut breeding toxic black mould, kept 4 undeclared pitbulls that chewed through doorframes, or let an unrepaired plumbing leak rot the floorboards for six months!
Under the Tenant Fees Act, the statutory 5-week deposit is a sunk-cost buffer that is immediately exhausted by single-room remediation. County Court possession hearings take 9 to 14 months, yielding uncollectible paper judgments against judgment-proof tenants.
ScoreTenant solves this by establishing a living qualitative behavioural score (0–1,000) that follows the tenant to their next home, instilling continuous daily respect. In turn, tenants score landlords on statutory repair SLAs, 24-hour notice, and safety certifications.
End-to-End Tenancy Lifecycle Explorer
Step through the 8 chronological phases from onboarding to CRA ledgeringStage 1: Landlord Onboarding & Letting Agency Mandate
/onboardingThe landlord sets up their property and connects a letting agency. Through our 3-tier lookup engine, they can search registered ScoreTenant partners, query live UK Letting Agencies via Companies House, or generate an Unclaimed Shadow Agency Profile with a 1-click WhatsApp Mandate directive.
TenantScore 7-Criteria Simulator
Live FICO-style weighted tenant rating & yield spread calculatorDomain State Machine & Domain Model Inspector
Inspect live lifecycle states and operational domain entities| Domain Entity | Key Operational Attributes | Security & Regulatory Safeguards |
|---|---|---|
| Verified User Profile | Full legal name, contact channel, verified role (tenant, landlord, agent) | Zero-knowledge auth, enterprise hashing & identity isolation |
| Property Tenancy Record | Asset address, postal code, linked landlord & letting agency account | Landlord ownership verification & regulatory property audit trail |
| Tenancy Rating Record | Multi-criteria score breakdown, dispute flags, recency weighting | Tenant profile linkage, objective CRA criteria & tamper-proof scoring |
| Condition & Inspection Vault | Inspection score, timestamped room checks, condition inventory | Hardware-grade encrypted photo storage & digital signature |
| Dispute Resolution Case | Contested rating, dispute status, 168-hour countdown timer, evidence pack | Automated CRA quarantine lock & impartial adjudication workflow |
| Immutable Audit Imprint | Searcher identity, subject reference, permissible search purpose, timestamp | UK GDPR Art. 15 / CRAIN compliance & unalterable log append |
Interactive State Transition Trigger
Simulate EventTrigger operational events to see how ScoreTenant advances database state machines and protects tenant rights in real time.
Cryptographic Anti-Tamper & Invariants
Live regulatory invariants & HMAC-SHA256 passport sealSystem strictly verifies £0 applicant fees charged to tenants during referencing or referencing passport issuance.
When disputed, ratings are instantly quarantined from cumulative calculations and landlord evidence clock starts at 168 hours.
Property inspection photographs and sensitive payslips are encrypted at rest with dedicated salt and IV verification.
3-step password recovery enforces 6-character email OTP verification (3-strike lockout) and increments session version counters upon password rotation to revoke stale device tokens.
Cryptographic signature securing tenant score attributes against database manipulation: