Credit check for rentals- Help anyone from a credit agency??

madasmel

Hi I am currently looking for a new rental property the one I am in is about to be sold. I have been told that they will run a credit check. There is conflicting information about this as when I spoke to Experian they say a potential lettings agent or landlord can see my full file however there is information on these forums from a Experian representative that says otherwise. What exactly will a lettings agent or potential landlord see? If anyone is form a credit agency and could clarify this I would be very grateful.

Thanks x

[Deleted User]

They can only see public information, ie CCJs. They can't see anything else at all.

madasmel

camelot1971 wrote: »

They can only see public information, ie CCJs. They can't see anything else at all.

Thanks so much for the response Camelot. Do you have any idea why I get conflicting info when I phone a Experian, they have said that the agent or landlord will be able to see my full credit report? :mad:

stclair

This may answer your question:

http://www.experian.co.uk/consumer/questions/askjames370.html

rizla_king

madasmel wrote: »

Thanks so much for the response Camelot. Do you have any idea why I get conflicting info when I phone a Experian, they have said that the agent or landlord will be able to see my full credit report? :mad:

That would be because the person from Experian you are talking to is clueless idiot.

GingerBob_3

stclair wrote: »

This may answer your question:

http://www.experian.co.uk/consumer/questions/askjames370.html

The Experian spin is just breath taking.

rizla_king

http://forums.moneysavingexpert.com/showpost.php?p=65564597&postcount=2

Experian_company_representative wrote: »

Landlords can only currently access the public information on your credit report, such as CCJs and bankruptcies, so the default won't be visible.

James Jones

madasmel

Thank you!