How can my boyfriend get a credit rating?

littlepinkstars44

RAS wrote: »

Does he realise the consequences? No chance of credit, only a basic bank account?

Well he only has a basic bank account the now anyway

Burlesque_Babe

yes, but a CIFAS flag would really mess things up for possibly 6 years - no chance to even build a credit file! How does he know what his situation might be in a couple of years - he might be looking to get a mortgage and for the sake of lying now could mess things up then.

mbaz

letting agents do a credit check but only to check for bad things like CCJs.

littlepinkstars44

mbaz wrote: »

letting agents do a credit check but only to check for bad things like CCJs.

Whats a CCJ?

Burlesque_Babe

County Court Judgement. Stays on the file for 6 years. Very little chance of getting credit with one and the only mortgages are sub prime high interest ones. A default is almost as bad.

littlepinkstars44

Burlesque_Babe wrote: »

County Court Judgement. Stays on the file for 6 years. Very little chance of getting credit with one and the only mortgages are sub prime high interest ones. A default is almost as bad.

whats a default?

RAS

Pink is in Scotland - the relevant equivalent to a CCj is a decree there.

Burlesque_Babe

ah, sorry, didn't realise.

Burlesque_Babe

Default is listed here

http://forums.moneysavingexpert.com/showthread.html?t=672601

you might find is useful to have a read through of some of the terminology.

ElizabethJH

I think you need to put thoughts moving out on hold until you have paid off your debts and your BF has a full time job. The cost of Council Tax, Elec, Gas, Water Rates etc is ridiculous let alone saving up a deposit and the normal couple of months rent that a place wants. Get yourself into a good position and then think about it seriously. They might do a credit check but I've got really bad credit and still passed their tests!! I don't have CCJ's though!