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Repair credit rating on rental property
chrisw
Posts: 3,968 Forumite
Hi,
The previous owner of a house I purchased and now rent out had a very bad credit rating and there were several calls from bailiffs.
As a result, my tenants are unable to get credit for anything and have just been turned down for a mobile phone (it must be bad!). The reason they have been given is the past credit history of the house.
Is there any way I can get this bad credit rating removed? If I get a credit report from Experian, will it link to that property? If so, can I write and ask them not to link me/the house with the past credit? Or might I put my own rating at risk?
Any thoughts gratefully received.
The previous owner of a house I purchased and now rent out had a very bad credit rating and there were several calls from bailiffs.
As a result, my tenants are unable to get credit for anything and have just been turned down for a mobile phone (it must be bad!). The reason they have been given is the past credit history of the house.
Is there any way I can get this bad credit rating removed? If I get a credit report from Experian, will it link to that property? If so, can I write and ask them not to link me/the house with the past credit? Or might I put my own rating at risk?
Any thoughts gratefully received.
0
Comments
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Credit history goes on the person not the property.0
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Your tenants have been turned down because of some perceived fault with their own credit history - not because of your house. The credit search would have been done on their address, but also on their name and other personal details so even if your previous tenants were still registered at the address (and their debts) the names would not be the same.0
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