Renting with bad credit.

gareth01422

Werdnal wrote: »

Even private landlords (like me) usually insist on credit checks and would probably be more thorough than an agent who charges the maximum fee for minimum work!

OP, can you get a guarantor to sign against your tenancy, or offer to pay 6 month's rent upfront?

I wouldnt want to pay out 6 months rent in advance anyway, its
£2500 plus fees plus deposit,

No one in my family is able to be guarantor.

Experian_company_representative

While landlords often carry out credit checks they are not full credit checks. They can see public financial records such as court judgments and insolvencies but they cannot see your private credit history data such as cards and loans, whether you paid these on time or defaulted on them. That information is only available to lenders who exchange credit data through credit reference agencies like Experian.

So the upshot is, unless your debts went to court or resulted in some other publicly registered debt remedy, landlords will not find out about them through a credit reference agency.

James

gareth01422

Hi guys

Ive got my credit report back from Experian but I'm really confused. Ive read all the info that i got with the report and tried to understand it but from what i can read is there is only one default of £295, no CCJ's as far as im aware on this report.

Can anyone help?

Manchee

Your credit report should only show up to 6 years ago. So if you had CCJs or other defaults from over 6 years it won't show.

gareth01422

Manchee wrote: »

Your credit report should only show up to 6 years ago. So if you had CCJs or other defaults from over 6 years it won't show.

Yer Ive got 1 default of £295, but no CCJ information at all.

would the Default stop me from passing the credit search at the estae agents?

Gareth

RAS

Experian_company_representative wrote: »

While landlords often carry out credit checks they are not full credit checks. They can see public financial records such as court judgments and insolvencies but they cannot see your private credit history data such as cards and loans, whether you paid these on time or defaulted on them. That information is only available to lenders who exchange credit data through credit reference agencies like Experian.

So the upshot is, unless your debts went to court or resulted in some other publicly registered debt remedy, landlords will not find out about them through a credit reference agency.

James

Read the mesaage that was left for you?