Laura Sharman 21 May 2015

Study highlights extent of digital exclusion

More than three million social housing tenants are unable to access online deals and rates due to a lack of credit history and internet access, according to the findings of a new report.

The Social Housing Tenants study from Experian found that one third of social housing tenants do not have access to the internet at home, with 14% saying they are never able to get online.

The study also revealed that 61% do not have enough of a credit history for financial or credit providers to verify their identities electronically so they are unable to secure the best online rates, if they can access the product at all.

Experian and Big Issue Invest have now launched the Rental Exchange to allow social housing landlords to submit their tenants’ rent payment history. This will allow 84% of social housing tenants to have a strong enough credit history to validate their identity.

Jonathan Westley, managing director of Experian’s UK&I Consumer Information Services, said; ‘The digital authentication rate amongst social housing tenants is less than half of that of the wider population, and this group suffers financially as a consequence. If an online provider cannot fully authenticate a person, they either price their product based on a high level of risk, making the service more expensive, or simply refuse it.

‘However, using rental data as part of the electronic authentication process improves the level of insight available for providers and means that fewer tenants are excluded from or pay a higher rate for products.’

SIGN UP
For your free daily news bulletin
Highways jobs

Social Worker - Adult Social Care (CLDT)

Bolton Council
£31,895
This is a permanent Social Work role in Adult Social Care. Bolton, Greater Manchester
Recuriter: Bolton Council

Principal Programme Officer

Bolton Council
£35,336
Do you enjoy variety and change? Can you keep your eye on the detail whilst also thinking strategically? Bolton, Greater Manchester
Recuriter: Bolton Council

IDT Junior Developer

Telford & Wrekin Council
£28,226 - £30,095
Telford & Wrekin Council are seeking an enthusiastic and highly motivated Junior Developer. Telford, Shropshire
Recuriter: Telford & Wrekin Council

Activities Leader (Outdoor Adventurous Activities)

Leicestershire County Council
£20,856
Lead activities and ensure that delivery of programmes are of a high standard. Leicester, Leicestershire
Recuriter: Leicestershire County Council

Transition Support Worker (Complex Needs)

Leicestershire County Council
£19,701
This is an exciting opportunity for to work with an experienced team delivering high quality learning opportunities and care. Leicester, Leicestershire
Recuriter: Leicestershire County Council

Partner Content

Circular highways is a necessity not an aspiration – and it’s within our grasp

Shell is helping power the journey towards a circular paving industry with Shell Bitumen LT R, a new product for roads that uses plastics destined for landfill as part of the additives to make the bitumen.

Support from Effective Energy Group for Local Authorities to Deliver £430m Sustainable Warmth Funded Energy Efficiency Projects

Effective Energy Group is now offering its support to the 40 Local Authorities who have received a share of the £430m to deliver their projects on the ground by surveying properties and installing measures.

Pay.UK – the next step in Bacs’ evolution

Dougie Belmore explains how one of the main interfaces between you and Bacs is about to change.