Finished My Trust Deed in 2008, will i still have probs renting?

P11SCL

Ok i finished my Trust Deed in April 2008 and things are great, i have a vanquis credit card and have had loans for cars and paid them off no probs, I know my credit score is fair but still struggle to get loans/overdrafts from banks so i know my score cant be that great.

My problem is i have just put a deposit down on a flat with my girlfriend through an agency and they advised me that they will have to do a credit check.

Now im really worried and have to wait for the outcome on thursday, anyone had any experience renting after there out the other side of a Trust Deed / IVA

Just dont want my past spoiling me and my g/f future!

Choo_Choo_4

It shouldn't really have a huge effect on you looking for rented accommodation.

I guess you could put the application forward in just your girlfriend's name if you're really worried but as you've said you have a credit card and have paid off car loans since the Trust Deed which is the best way to repair your credit rating. Unfortunately it might be the case that the Trust Deed will still appear on the credit report since it renews itself every 6 years so another year to go presuming that the TD lasted 3 years ...

Hopefully it won't be a problem however

help.com85

P11SCL wrote: »

Ok i finished my Trust Deed in April 2008 and things are great, i have a vanquis credit card and have had loans for cars and paid them off no probs, I know my credit score is fair but still struggle to get loans/overdrafts from banks so i know my score cant be that great.

My problem is i have just put a deposit down on a flat with my girlfriend through an agency and they advised me that they will have to do a credit check.

Now im really worried and have to wait for the outcome on thursday, anyone had any experience renting after there out the other side of a Trust Deed / IVA

Just dont want my past spoiling me and my g/f future!

Do you mind if i ask how long you were out of your TD before getting accepted for the Vanquis Card. Also have you managed to get any other credit since being discharged?

Thanks