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  • FIRST POST
    • S1Ebbz
    • By S1Ebbz 22nd May 17, 3:25 PM
    • 43Posts
    • 12Thanks
    S1Ebbz
    Renting with bad credit
    • #1
    • 22nd May 17, 3:25 PM
    Renting with bad credit 22nd May 17 at 3:25 PM
    Does anyone know what credit checks will be undertaken for renting

    In summary renting for 4+ years never missed a payment .... Do however have bad credit due to a DMP.....now might have no option but to move somewhere new just concerned with the checks when application to rent

    Thanks
Page 1
    • aneary
    • By aneary 22nd May 17, 3:30 PM
    • 877 Posts
    • 809 Thanks
    aneary
    • #2
    • 22nd May 17, 3:30 PM
    • #2
    • 22nd May 17, 3:30 PM
    They can only check for public records and ask for references.
    • ThePants999
    • By ThePants999 22nd May 17, 3:46 PM
    • 981 Posts
    • 1,138 Thanks
    ThePants999
    • #3
    • 22nd May 17, 3:46 PM
    • #3
    • 22nd May 17, 3:46 PM
    Where "public records" broadly means bankruptcy and CCJs.
    • S1Ebbz
    • By S1Ebbz 22nd May 17, 3:49 PM
    • 43 Posts
    • 12 Thanks
    S1Ebbz
    • #4
    • 22nd May 17, 3:49 PM
    • #4
    • 22nd May 17, 3:49 PM
    OK so does that mean they won't actually see a credit score ? My actual score is ruined as I defaulted once going through start up DMP and just started this
    • Guest101
    • By Guest101 22nd May 17, 3:57 PM
    • 15,118 Posts
    • 14,767 Thanks
    Guest101
    • #5
    • 22nd May 17, 3:57 PM
    • #5
    • 22nd May 17, 3:57 PM
    OK so does that mean they won't actually see a credit score ? My actual score is ruined as I defaulted once going through start up DMP and just started this
    Originally posted by S1Ebbz
    No-one except you ever sees that score
    • S1Ebbz
    • By S1Ebbz 22nd May 17, 4:01 PM
    • 43 Posts
    • 12 Thanks
    S1Ebbz
    • #6
    • 22nd May 17, 4:01 PM
    • #6
    • 22nd May 17, 4:01 PM
    OK thanks so would you see any issues if I owe a large amount and in a DMP. No bankruptcy and no CCJs.

    Just defaults which have killed my credit

    4+ years renting zero payments missed
    • Guest101
    • By Guest101 22nd May 17, 4:11 PM
    • 15,118 Posts
    • 14,767 Thanks
    Guest101
    • #7
    • 22nd May 17, 4:11 PM
    • #7
    • 22nd May 17, 4:11 PM
    OK thanks so would you see any issues if I owe a large amount and in a DMP. No bankruptcy and no CCJs.

    Just defaults which have killed my credit

    4+ years renting zero payments missed
    Originally posted by S1Ebbz
    employment / income? you need more than that
    • S1Ebbz
    • By S1Ebbz 22nd May 17, 4:47 PM
    • 43 Posts
    • 12 Thanks
    S1Ebbz
    • #8
    • 22nd May 17, 4:47 PM
    • #8
    • 22nd May 17, 4:47 PM
    Employed and regular income yes. Just bad credit 😨
    • aneary
    • By aneary 22nd May 17, 4:51 PM
    • 877 Posts
    • 809 Thanks
    aneary
    • #9
    • 22nd May 17, 4:51 PM
    • #9
    • 22nd May 17, 4:51 PM
    You should be fine.

    My previous landlady contacted my work and previous landlady, my current only contacted my work.
    • S1Ebbz
    • By S1Ebbz 22nd May 17, 5:11 PM
    • 43 Posts
    • 12 Thanks
    S1Ebbz
    There just seems to be a lot of misinformation online as to what they can actually see. Some sites say public records and no information on what you owe......others say a full report which would clearly have me as a risk..even with my 100% record on 4 years worth of monthly rent payments
    • Guest101
    • By Guest101 22nd May 17, 5:18 PM
    • 15,118 Posts
    • 14,767 Thanks
    Guest101
    There just seems to be a lot of misinformation online as to what they can actually see. Some sites say public records and no information on what you owe......others say a full report which would clearly have me as a risk..even with my 100% record on 4 years worth of monthly rent payments
    Originally posted by S1Ebbz

    I think the question has been answered, yes there is a lot of misinformation. The only way they'll see your debts is if you show them
    • aliavavodka
    • By aliavavodka 7th Jan 18, 10:12 PM
    • 101 Posts
    • 21 Thanks
    aliavavodka
    Sorry for opening an old post, do estate agents use the same credit search as a bank? Therefore they can not see why you fail, but if you have debts you will?

    Many thanks Alison
    • Slithery
    • By Slithery 7th Jan 18, 10:27 PM
    • 522 Posts
    • 800 Thanks
    Slithery
    No.

    As explained above EA's don't provide credit, so they can only see information that is in the public domain.

    The only things they can see are CCJ's or bankruptcy, the can't see any other details (debt, credit accounts, etc).
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