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rental credit checks
amypjones
Posts: 2 Newbie
Hi,
Due to a relationship break down i will be needing to rent a flat shortly, but am a bit worried about credit checks. I dont have any CCJs or defaults or anything. but i do have quite a bit of debt. i have had a mortgage for 5 years and never been late with a payment.
Im a bit worried about passing the credit check due to debt? also ive been late paying my CC a couple of times, ive never missed a payment but have been late
will i have a problem passing an agencies cerdit check do you think?
Due to a relationship break down i will be needing to rent a flat shortly, but am a bit worried about credit checks. I dont have any CCJs or defaults or anything. but i do have quite a bit of debt. i have had a mortgage for 5 years and never been late with a payment.
Im a bit worried about passing the credit check due to debt? also ive been late paying my CC a couple of times, ive never missed a payment but have been late
will i have a problem passing an agencies cerdit check do you think?
0
Comments
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Last time I moved, I had the exact same worries, however, had a couple of defaults on my credit file. The letting agency reassured me saying that you're not likely to fail the credit check unless you have ccj's or have been made bankrupt.
I've always found that the best way is to be 100% honest with the letting agency. On my last time, I went to the letting agency with a print out of my credit report and explained my situation in detail. The letting agency were then fully aware of anything that may have cropped up during any of the checks.0 -
Hi I am looking to rent but am worried I am on a DMP and like you have no ccjs, but have made lots of late payments, is there a chance I can rent.0
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Rental credit checks only have access to public data... such as electoral roll and CCJs. They do NOT (legally) have access to financial data regarding how much debt you have and whether or not it is paid on time.If you feel my comments are helpful then I'd love it if you 'Thanked' me!
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Hi thanks for the reply I feel hopeful now , yes i had/have debts now on dmp, and getting my life together, so I will give it a go they can only say no.0
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thats good to know thanks!0
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