NAFN Data and Intelligence Services

Introduction Established in 1996 Around 90% of local authorities members, 50 Housing provider members NAFN staff LA employed Not for profit, funded by membership & grants Legally compliant Fast and cost effective

Services General Credit reporting Utilities Consented data enquiries Authorised Officer (POSHFA) DVLA

General Service Instant credit reporting Individual credit reports SPD/tenancy specific Debt management reports DVLA keeper information Director information Company reports Land Registry Consented data Vehicle finance Vehicle protection Passport & Immigration Official certificates Utility data NOMS enquiries CCJ details

Credit Reporting Ability to select preferred Credit Reference Agency Equifax PSG and Call Public instant retrieval of reports No separate contract necessary Reduced per unit cost Variety of options when searching - S29/35/debt/with consent Search by address reports Name & DOB searches

Instant Credit Reporting Callcredit ThreeSixty Direct Exempted Trace Exempted Search Employee Check (with consent) Identity Check (with consent) Debtor Tracing Key Benefits: Five new reports replacing CallPublic report currently available to members. ResidencyPLUS technology displays move-in and move-out dates for everyone listed in the report. Occupancy Dashboard shows all occupiers at property, alongside their move-in/move-out dates and their relationship to the searched individual. Summary information shows change in circumstances over time. Reports cost only 85p and enquiries are recharged quarterly as normal. Reports Available: Exempted Trace: Provides data including tracing and residency information. Search does not register a footprint but you must ensure that use of this service is justified under a DPA Exemption. Exempted Search: Full consumer credit data in addition to the data provided by the Exempted Trace Report. Search does not register a footprint but you must ensure that use of this service is justified under a DPA Exemption. Employee Check (with consent): Verifies the identity of existing and potential employees. Search will leave a footprint on the subject’s credit file. Identity Check (with consent): Verifies the identity of an individual. Search will leave a footprint on the subject’s credit file. Debtor Tracing: This report will provide data including tracing and residency information. Search can be used to trace absconded debtors but will leave a footprint on the subject’s credit file.

Instant Credit Reporting Equifax Public Sector Gateway Advanced searching Identity Assurance List Residents Trace Person Pre-Investigation report Key Benefits: Advanced Search – A powerful search facility that can be used where little data is known about the individual, or where the spelling or order of names is unknown. There are no mandatory fields, allowing, for example, a search based on a first name and address only. Certain fields also support wildcard searches. The report returns the names and address of individuals whose details match the search criteria Pre Investigation Report - Provides a high level of information on the personal and financial circumstances of the selected individual for up to three addresses List Residents – This report generates a list of the individuals that Equifax can connect to an address based on a wide range of data sources  Trace Person – Can be used to find an individual based on information previously provided or known about them such as name, alias and one address. The report provides a comprehensive audit trail of all address movements for the individual, and enables you to identify their current residential address Identity Assurance – This facility is used to verify an individual's identity using information entered about the individual, including up to three addresses

Utilities Gas and Electricity suppliers Water suppliers Utility data is available for DPA S29.3 or S35 purposes or via voluntary disclosure Information available Account holder details Payment details Usage information Gas and Electricity suppliers – identified by NAFN via database access Water suppliers – supplier details provided by investigator

Consented Data Enquiries LexisNexis® TraceIQ® TraceIQ, is a powerful web based tracing and investigation facility. Utilising a wealth of data to help trace people and conduct efficient, systematic investigations. Basic Search Debtor Trace Full Report Intelligence only - not evidence. Can indicate leads to gather evidence and be used in a phased reveal interview.

LexisNexis® TraceIQ® Basic Search: Confirmation of residency, Consented contact information, Social media profiles, Previous and/or forwarding addresses, Verification of other occupants’ resident. Debtor Trace: As above, plus County court judgements, Insolvencies Mortality checks against the General Registry Office and HALO Full Report: As above, plus Business and director data Property ownership information from the Land Registry Neighbour information.

Authorised Officer Service Apply statutory powers to request data in cases of suspected fraud Experienced pool of authorised officers Submit requests electronically via the NAFN website

Authorised Officer Service PoSHFA Criminalises secure and assured tenants sub-letting a property without the landlord’s consent. Statutory powers to request data in relation to tenants and family members in cases of suspected tenancy fraud Request data from over 800 information providers including banks, utility, telecommunications, loan and credit card companies Local authorities can liaise with local housing associations and submit requests as part of joint investigations Banks etc are not legally obliged to provide information to us but some will provide basic information. Very unlikely to get statements but may get account details or application forms.

National Hunter Not for profit specified anti-fraud organisation Legal gateway to share information with government agencies for fraud prevention purposes Searches can be performed and alerts added to Hunter system Contributors include banks, mortgage providers, specialist bridging finance, insurance, motor and asset finance and others

National Hunter Service launch 2nd May 2017 Four week pilot with handful of London boroughs Requests can be made into suspect Right to Buy applications only (not verification purposes) Two lenders have withdrawn funding as a result of NAFN enquiries saving £400,000 and 2 properties Add request via NAFN website More information and guidance available via NAFN help

DVLA DVLA Overnight Service Current keeper details Permitted purpose for social housing fraud, nuisance and parking offences DVLA guidance on website to use permitted purposes. Manual service can take up to six weeks. Required for non-permitted purposes and previous keeper or keeper on a certain dates.

Intelligence Enquiry Search of the NAFN intelligence database (restricted to s29.3) Forename, Surname & Postcode or DOB Address Company Name/No. Vehicle Registration National insurance Number Bank Account Telephone/Email

Alerts and Bulletins Regular dissemination of alerts Updates from partners on the latest fraud threats and alerts Circulations on behalf of other agencies, NFIB, NCA, Metropolitan Police Cyber Crime Team Library of alerts available via the website Submit your information to NAFN for efficient dissemination to other public authorities

NAFN Website Forgotten User Code, Password or Pin Lost Grid Card Manage Users Members Directory Intelligence Searching Sanction Information Database Vehicle Protection HELP

Planned Service Improvements 2017-18 Expansion of online services: Consented data GB ConnexusIQ, Lexis Nexis TraceIQ National register of taxi license revocations and refusals Website enhancements A-Z of NAFN Services

Thank You Tracy Forth Service Team Manager 0161 342 3727 tracy.forth@nafn.gov.uk