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Going to be credit checked for accommodation

[Deleted User]
[Deleted User] Posts: 0 Newbie
Tenth Anniversary 1,000 Posts Name Dropper Photogenic
edited 10 September 2013 at 11:49AM in Credit file & ratings
Sorry I asked, going to be direct with letting agent, will keep anybody else updated on outcome who may be in same or similar predicament

Comments

  • Your attitude isn't helping you. If you don't understand what's on your credit report and what it means for you, you can't make good decisions or effectively exercise your rights.

    In the spirit of being helpful, poor account management isn't visible to letting agents. So late payments, defaults, payday loans coming out of your ears etc etc are not visible to them,

    Only CCJs, IVA and bankrupcy will give you a problem. If you have any of these 3 honesty as early as possible would be my advice. Some landlords may appreciate honesty and take a chance on you.

    But, really, you need to know what info is on your credit record.
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    DRO normally shows up as bankruptcy on public record checks if it is still the same as it was a while back.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • fermi wrote: »
    DRO normally shows up as bankruptcy on public record checks if it is still the same as it was a while back.


    Yes and that is what I'm afraid of
  • NPHammer wrote: »
    Your attitude isn't helping you. If you don't understand what's on your credit report and what it means for you, you can't make good decisions or effectively exercise your rights.

    In the spirit of being helpful, poor account management isn't visible to letting agents. So late payments, defaults, payday loans coming out of your ears etc etc are not visible to them,

    Only CCJs, IVA and bankrupcy will give you a problem. If you have any of these 3 honesty as early as possible would be my advice. Some landlords may appreciate honesty and take a chance on you.

    But, really, you need to know what info is on your credit record.

    I don't take out credit lightly and absolutely hate this subject. 'Doing my time' hate having to rely on my C.R
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