credit check for renting!!!

alliehippo

Please can you help?

my husband and i have just found a house we love, we can easily afford the rent each month but we have one problem, the letting agency are using homelet to do a credit check on us. we live in a council house at the moment and i have missed a few rent payments in the past 6 months due to the fact that we were saving to get married. i also have 3 late payments on catalouges, because of this my credit score is extremely low. homelet have checked my husband and he passed the check fine. i'm just worried it will be mine that will stop us getting the house.


can anyone give me any advice???

thanks

SquatNow

alliehippo wrote: »

Please can you help?

my husband and i have just found a house we love, we can easily afford the rent each month but we have one problem, the letting agency are using homelet to do a credit check on us. we live in a council house at the moment and i have missed a few rent payments in the past 6 months due to the fact that we were saving to get married. i also have 3 late payments on catalouges, because of this my credit score is extremely low. homelet have checked my husband and he passed the check fine. i'm just worried it will be mine that will stop us getting the house.

So your saying you put your money in your savings account rather than paying your rent.

Well I wouldn't rent to you if I was a LandLord.

milliebear00001

The check will almost certainly turn up your missed payments - esp the catalogue ones - so then it will depend on whether the LL is willing to take a risk on you. Some will, some won't - depends how badly they need to let I guess.

alliehippo

no i didn't put it in my savings account, i was paying for my wedding dress, bridesmaids dresses and delayed the rent by a couple of weeks, i have been paying the full amount plus £20 a week for the last 3 months and have not missed one payment. we could pay 3-6 months rent in advance if needed.

barnaby-bear

alliehippo wrote: »

no i didn't put it in my savings account, i was paying for my wedding dress, bridesmaids dresses and delayed the rent by a couple of weeks, i have been paying the full amount plus £20 a week for the last 3 months and have not missed one payment. we could pay 3-6 months rent in advance if needed.

You bought clothes rather than pay the rent - I wouldn't want a tenant like that if I was a LL... if people can't pay because genuine hardship they have sympathy but to buy clothes for a big party above valuing the roof over your head is a bit foolish....

lil_me

The reference from the council will show your rent arrears usually if it was in the last 3 years, I've not known a council to supply a reference giving details of arrears over 3 years old.

Your credit score will be effected by your missed payments, in some cases you can ask to pay more rent in advance as a security, depending how bad the report is.

tbs624

alliehippo wrote: »

no i didn't put it in my savings account, i was paying for my wedding dress, bridesmaids dresses and delayed the rent by a couple of weeks.....

ie you breached the terms of your tenancy agreement because you chose to buy something else.

Your LL is not your personal banker: it's vital that you prioritise the payment of your rent (or mortgage payments)

jamesd

It's really hard to give you useful advice.

The first priority for a landlord is a tenant who will not wreck their property. The second for a private landlord is a tenant who will pay the rent promptly and completely so that the landlord can use it to pay the mortgage they have on the property.

By your actions you demonstrated that you were willing to force the council to lend you the money to buy the wedding things.

The more a landlord learns about this, the less likely they are to want you as a tenant. They just aren't in the business of making unsecured loans. Even banks who are in that business react very negatively to unapproved borrowing by their customers in the form of unapproved overdrafts.

You've sabotaged your own credit record, apparently quite deliberately, so the best that can really be said is to wish you luck in finding a desperate landlord. In many areas there is a shortage of tenants, so you may find one.

Good luck, and congratulations on the wedding!

shellnapier

why ru moving out of a council house? if ur saving for wedding isnt the council rent going to eb chaeper at teh moment?