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Renting and credit check
Fireflyaway
Posts: 2,766 Forumite
We will soon be looking for a place to rent but I am worried that bad credit reports might make it difficult.
Does anyone know from personal experience ( not just guessing please) how in depth the check is? I have been told by some people they only check the basics - your ID and if you are bankrupt or have CCJ's.
I don't have CCJ's and am not bankrupt but have mortgage arrears and quite a few debts. I don't want to sell my house only to find I can't rent anywhere!
How hard is it these days?
Many thanks
Does anyone know from personal experience ( not just guessing please) how in depth the check is? I have been told by some people they only check the basics - your ID and if you are bankrupt or have CCJ's.
I don't have CCJ's and am not bankrupt but have mortgage arrears and quite a few debts. I don't want to sell my house only to find I can't rent anywhere!
How hard is it these days?
Many thanks
0
Comments
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Well, you've answered your own question - they only check for information that is available to the public. Your mortgage situation isn't in the public domain.0
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Will mortgage arrears not show up on a credit check? My mortgage lender said being in arrears can negatively impact my credit rating. On a plus side - although I am in arrears I have paid on time and in full for quite a while now.0
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Landlord checks only bring up public information such as whether you've had CCJ's, or been bankrupt.
They can't see an in-depth credit check. They can't see how many debts you have or how much in arrears you are with any mortgages etc.0
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