Tenant credit check

freyac

I am applying for a new house along with my husband. My father has offered to be our guarantor.

I have a bad credit history with a few defaults which are now nearly all satisfied. I don't have CCJ's, bankruptcies or IVA's.

My husband has a fair credit history and my father has an excellent credit history.

My question is, will the referencing company be able to see my history, or just the fact that I do not have CCJ's etc.

This is a quote from their website:

Credit Checks

Within seconds, our Credit Check provides a detailed insight into a Tenant's credit profile. You will receive a clear result - accepted or declined. The document will report any adverse credit history, such as County Court Judgments and Bankruptcies and Insolvencies.

We obtain previous residency addresses, Electoral Roll data, and demographic CAMEO information.

Am I right in thinking that they will only have access to the public record of my credit file rather than the full record and thus I have nothing to worry about?

Thanks

rizla_king

They can't see credit accounts data including defaults on a tenant check.

happy_bunny_2

As Rizla says.

Lou24

Do they see debt?

MrSilk

It isn't necessarily a 'Credit Check', it only checks public records that include CCJ's and Bankruptcies. You'll be fine!

I'm an estate agent

Lou24

So they don't see now much money you have on a loan or a credit card

What bout mortgages

happy_bunny_2

Lou24 wrote: »

So they don't see now much money you have on a loan or a credit card

What bout mortgages

Nope. They can't see that.

Only people that can see that are those that also report to the CRAs.

It's not a credit check per se, it's a CCJ, Bankruptcy and IVA check. But they have marketing departments to dress these things up and sell services...