really need help

yelsrud

me and my girlfriend are looking on rent for the frist time but she has got really really bad credit rating would it be ok to get the house in my name and move her in with out telling the landlord

Pixie5740

There's no such thing as a universal credit rating so it doesn't matter what number Experian, Equifax or Call Credit has generated for your GF as the CRAs neither lend money or let property.

Does your GF have any CCJs or has she been declared bankrupt?

Things that a potential might ask for include credit checking your public credit file (bankruptcy and CCJs), affordability (income versus expenditure), references from previous LL (which you won't have if you've never rented before).

As first time renters there's a good chance you'll be asked to provide a guarantor. Do you know anyway daft enough to sign up for that?

yelsrud

my gf got ccjs i have done credit checks and my are very good so isit best to get the house in my name and move her into the house without telling the landlord and my mum said she would be my guarantor

restless6

Do you not think the landlord would find out??!

MisterB1959

think it through, your tenancy agreement WILL say no visitors for a specified length of tie, if you move her in you will need permission or risk breaking your lease agreements. will that mean being asked to leave? unlikely BUT it starts to break the trust between you and your landlord


perhaps a better way of doing it is to put her on the lease, BUT explain the situation and get a revised agreement which makes YOU solely responsible for paying the rent, so her credit has no bearing on affordability etc. having a guarantor, who can demonstrate they have the ability to pay if YOU default is more than helpful !

Guest101

restless6 wrote: »

Do you not think the landlord would find out??!

Even if she/he did, op can have anyone they want live with them. The LL could evict if they wanted to after fixed term, but they can for any reason anyway.

Guest101

MisterB1959 wrote: »

think it through, your tenancy agreement WILL say no visitors for a specified length of tie, if you move her in you will need permission or risk breaking your lease agreements. will that mean being asked to leave? unlikely BUT it starts to break the trust between you and your landlord


perhaps a better way of doing it is to put her on the lease, BUT explain the situation and get a revised agreement which makes YOU solely responsible for paying the rent, so her credit has no bearing on affordability etc. having a guarantor, who can demonstrate they have the ability to pay if YOU default is more than helpful !

Even if it said that. It would be unenforceable.

thequant

Best policy is honesty, simple fact is a lot of people who rent do so, because either their finances are not straightforward or their credit records are not particularly clean.


If LL's stuck to tenants with perfect financial circumstances and clean records, they would be dealing with a very limited supply of potential tenants.


Or put it another way, if CRA's were so crucial to being able to rent, then our streets would be awash with people sleeping rough because they have paid their bills late.


If you have good credit record, then LL should be happy to put the paperwork in your name. All a LL's cares about, is that SOMEONE is able to pay the rent, and that they have SOMEONE who is liable if they refuse to pay.


They also care about being lied to.

jjlandlord

If the landlord would be happy to let to OP on his own, then there is little reason to refuse to let to OP + girlfriend based on any CCJ the girlfriend may have...

A clause saying that the landlord would pursue only of of the joint tenant may not necessarily be unenforceable, but it would be useless and, frankly, rather stupid.

Guest101

I think the point is whether together or just OP, the tenancy will be set up and theLL will have someone to chase should the worst happen.

It is in the LLs interest to have two people to chase, however nothing stops one person applying and then inviting another to live there. Whether as one household, or as a lodger.

Yes OP be honest if asked. But I don't think the LL needs to know every detail about your life. They are offering a service, your seeking a service.

My GF once had an agent claim it was a legal obligation to have me added to a tenancy ( and pay £60....), quickly changed their tune when i told her the position ( which she confirmed with shelter ) and she wrote back asking them which law required this...

jjlandlord

Guest101 wrote: »

... however nothing stops one person applying and then inviting another to live there. Whether as one household, or as a lodger.

Which is incorrect.