Credit Check/Report

getofmeland

Our prospective Landlord has asked to gain a Credit Report/Check to prove we are worthy tenants. Are there any sites people are aware of which would allow us to get a basic credit check done on the behalf of our landlord? He has also asked for 3 months bank statements.

Cheers

Charlie

angelbob

Can you not just print of your credit report from Noddle, its free. Does the landlord not want to do his own checks? thats good for you, mine charged me £100 x

Fire_Fox

The landlord is asking you to do this or he wants to do this? If the former I would question how professional your landlord is, that is highly irregular and open to abuse. Has he not even bothered to research this himself so he can tell you exactly what he wants? I would not be giving him three months bank statements, it's none of his business what you earn and what you spend, only your conduct with the account! :eek:

whalster

we always ask for bank statements its not that I care about how much you earn its the paper trail following that counts, to make sure your NI number is correct to the one on your wage slips and that the amt. on the wage slip goes into yur bank and is on the bank statement and that your picture on your passport matches your face etc etc the credit report is only one piece of the jigsaw .But yes you can run your own check to see what you come out as but as a private landlord I would never ast someone to do their own

Gordon_Hose

He's trying to avoid paying!

Point him to this link: http://www.experian.co.uk/background-checking/tenant-check.html

Werdnal

Any landlord who knows what he is supposed to be doing in running a legal and efficient letting business should carry out their OWN credit check on you. Any landlord who asks you to prove your credit worthiness by providing your own credit check is a fool.

Go ahead and get an Experian report or similar and pass on to the landlord with your blessing, but to me, this is ringing very loud alarm bells already ... sounds like LL is a total amateur and hasn't got a clue. You'll no doubt be back here in a few weeks relating tales of how he has refused to comply with gas safety regs, failed in his repairing obligations on the sadly neglected property he is letting you rent and not protected your deposit.

Are you sure he is asking you to get a credit check done on yourself, and not asking your permission to get one done for you? He should give you a tenant application form and do it himself, but on his head be it if he believes everything you say ... don't say you haven't been warned!

Werdnal

Gordon_Hose wrote: »

He's trying to avoid paying!

Point him to this link: http://www.experian.co.uk/background-checking/tenant-check.html

No, tenant should pay LL a fee to get their own check done. Nothing to do with LL trying to avoid paying. Tenants fail check, they lose their fees. LL here hasn't got a clue ... Good luck!

Gordon_Hose

Werdnal wrote: »

No, tenant should pay LL a fee to get their own check done. Nothing to do with LL trying to avoid paying. Tenants fail check, they lose their fees. LL here hasn't got a clue ... Good luck!

In English?

Werdnal

Sorry if you didn't understand.

You stated earlier that the landlord was trying to avoid paying - I assumed you meant LL (landlord) was trying to avoid paying for a credit check on the tenants, so had asked the tenants to provide a check for him.

My reply was, that the LL should not have to pay for the check anyway - it is normal for a LL to take a fee from the tenant to cover the cost of applying for a proper credit and reference check on the tenant as part of their tenancy application. If the tenants fail the check, the LL keeps the fee and walks away. If they pass it, the LL may refund the fee against the first month's rent, or may still keep it so long as the terms of the fee are made clear to the tenant at the time they pay (always wise to get this in writing, particularly for the tenant's protection).

A tenancy credit check is usually a little more involved that merely an Experian report, and any LL who just asks a tenant to provide them some proof that they are credit worthy is a fool!

Did that make more sense to you?

Gordon_Hose

Yes, perfect sense.

I understand what you're saying, but either way, the LL needs to do the check himself, not get the tenants to do it for him.

Last time I rented was 2007, and I didn't have to pay for the credit check. So things must have changed.

Werdnal

Gordon_Hose wrote: »

Last time I rented was 2007, and I didn't have to pay for the credit check. So things must have changed.

Credit checks and associated fees have been around for years, way before 2007. You must have an honest face