Landlord reference

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wannabelondoner
wannabelondoner Posts: 17 Forumite
edited 29 July 2011 at 9:21PM in Loans
Hi:

I am signing a contract for a new flat soon and i am wondering if a 400 pound overdraft default which has been paid back in full in one installment, will make me fail the reference check. i have a reference from my previous landlord where i stayed 7 years and always paid promptly. i have proof of employment stating a 30k salary.

will i fail due to this technicality i assume reference check is the same thing as credit check as they want to see bank statements. although they never say credit check anywhere in the documents i got

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  • chanz4
    chanz4 Posts: 10,901 Forumite
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    no, the landlord checks are very basic and only normaly show ccjs
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • loveandlight
    loveandlight Posts: 1,200 Forumite
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    You've got nothing at all to worry about. You will pass the checks.
  • chanz4
    chanz4 Posts: 10,901 Forumite
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    they only can view what they share, this is the reason
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
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