Of interest, I think, to fellow landlords; Experian expects to include 600,000 rental records by year-end of tenants who pay late, starting with social housing and expanding to all private rentals. Lenders will have access to the information next year. 
Tenants who get a black mark will could ruin their chances of securing a mortgage, credit card or being accepted by their next landlord. Missed payments will damage a credit score, regular payments will improve it ……