help ccj rent

Coral88

Me and bf and son are looking to move as we hate the flat weve been in 3 yrs. My bf has also a new job far away so we need to find somewhere.

Problem is credit rep has 2 ccjs so what dose this mean for us moving Theyre from 2009 1 in jan and other august, The august 1 was paid in 2011 but i dont remember what the jan one was for and i havnt pad anything afaik. looking on forum i saw ccjs are remlved after 6 yrs so what dose that mean if we try torent now n they do cerdit check

Pixie5740

When a LL or LA carries out a credit check they can only see the public information i.e. bankruptcy and CCJs. Neither of those will look good to a potential LL as it shows a history of not paying what is owed.

Get hold of your statutory credit reports from Experian, Equifax and Call Credit to see what's on there. Better to be armed with facts than burying your head in the sand like an ostrich.

If you do have CCJs then be upfront when speaking with the LL/LA. If they don't want tenants with CCJs it's better to tell you sooner rather than letting you go through the whole application process which would just be a waste of everybody's time.

Can you offer 6 months rent in advance or find someone [STRIKE]foolish enough[/STRIKE] willing to be a guarantor?

Coral88

ive scene my cred rep so know ive 2 ccjs,, 1 is paid

cant get guarenter or pay 6 months so desperate n scared

pinkshoes

Coral88 wrote: »

ive scene my cred rep so know ive 2 ccjs,, 1 is paid

cant get guarenter or pay 6 months so desperate n scared

In which case you MUST sort out your CCJs, so that you can be open with any landlords and explain that they have been paid.

An unpaid CCJ will not look good.

Your only other option is private rental (not via agency) where they don't do credit checks.

These are often found in shop windows, gumtree etc...

Coral88

i no. ive scene on my report that ccjs dont show after 6 yrsbut so the 1 that i havnt paid will disappear in jan, altho now noing what it means i will make contact about paying back. when that disappears what about the 1 that i did pay in 2011, that will show til july. is it posetive that ive paid or dose it not work like that for agents orlandlords

Pixie5740

A debt paid late is better than a debt not repaid at all.

Does your partner also have CCJs? If not, would it be possible for him to get a tenancy for a 2 bedroom (or whatever size you're looking for) property in his name only?

Coral88

if i pay the ccj in full an its showing paid on my cred rep will that be good for agents landlords or dose they have 2 disappear of record before you coudl get acepted by landlord

Coral88

no no ccjs for him, we ben told to live same hse u both hav 2 hav cred reps so cant just b in his name

pinkshoes

Coral88 wrote: »

no no ccjs for him, we ben told to live same hse u both hav 2 hav cred reps so cant just b in his name

so lie and say it's just him living there, and just he can go and see the properties.

Does he earn enough to cover the rent on his own?

kingstreet

Coral88 wrote: »

i no. ive scene on my report that ccjs dont show after 6 yrsbut so the 1 that i havnt paid will disappear in jan, altho now noing what it means i will make contact about paying back. when that disappears what about the 1 that i did pay in 2011, that will show til july. is it posetive that ive paid or dose it not work like that for agents orlandlords

It's six years from the date of registration, not six years from the date of satisfaction.

Therefore two CCJs registered in 2009 will disappear from your credit history in 2015, satisfied or not.