planned overdraft and renting a flat

rartherinv

Borrowing a proportion of your income is seen as a good thing by lenders (it proves you can be trusted with money) unless it becomes an unhealthy proportion or you don't pay it back on time.

If you were a landlord checking someone's credit file, you would probably just want to make sure that the prospective tenant was not a complete shambles with money. Recent defaults or CCJs are the warning signals they are looking for, not whether you have a standard overdraft like everyone else. Hope you enjoy your new pad :beer:

YorkshireBoy

This thread from earlier this year may help...

https://forums.moneysavingexpert.com/discussion/4056311

...where you'll see they can only see 'public information', not account conduct/history.

Although do note the last paragraph in post #5


For further information, google...

letting agents credit check "public information"