Help needed urgently!!!

maybes_2

Hi I need.some advice please. I have been accepted for a house (rented) and now need to do the credit check, but before I pay I would like to know what I am handing £100 over for. On the form I have been asked to fill in it says 'UKtenantdata', on their website it says they check 'undeclared addresses', what is that? Are they addresses where I have lived and been on the tenancy agreement or are they places I have lived and been declared as living there eg, where my bank card has been registered and I'm on the electrol roll etc?

I have done a free credit report on myself with Noddle.com and it has come up with all the addresses where I have been linked via bank card, will this be the same? I haven't declared all my previous addresses as the initial form only asked for the past 3 years so obviously I'm not going to give every one. What else will show up on this? Will it just be the same as the Noddle one I did?

How do you fail these types of credit checks? I don't have a guarantor because I don't know any homeowners but I have offered to pay 2k upfront instead.of the £900 the LL was asking for.

Any advice would be greatly approached, thank you.

freeisgood

We are going through the same process, but we didn't have to pay in advance to fill a (badly worded/written) online reference and financial check form, from an independent rental check company. Still in the process of.
But maybe it is because we have reserved the property by putting £250 up front "held as part of first months rent subject to credit checks".

Who knows.

As for how you can fail a credit check...I think they are looking for affordability, to make sure you can afford the rent long term, and to make sure you are a good payer, ie, you have not got a history of not paying various bills.

happy_bunny_2

They check public records such as CCJs. They can't see your accounts, even any defaulted ones.

They use companies like Experian or call credit, so that might flag any address mis matches.

daKlone

The facts are the facts and you can't change them so there's no point worrying about it. If you've got CCJ's or have been bankrupt then there might be a problem, but from what you've said, you don't have any real reason to think you might "fail" a credit check anyway.

As to what you're paying the money for; well, you're paying it to allow the LL or EA to evaluate the risk in renting to you, nothing more.