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Will a DMP affect my Credit Score?

DeeDee99_2
DeeDee99_2 Posts: 23 Forumite
in Debt-free wannabe
I have a DMP with CCCS and have had for a year and have been paying by direct debit each month with no problems. Im applying to rent a flat and was wandering if this might look very bad when they do a credit check?

Thanks in advance

Dee

Comments

  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    10,000 Posts Combo Breaker
    Get copies of your credit reports and see whats on them.

    Usually on a DMP, your creditors will default your accounts so your credit rating is trashed for 6 years.

    Whether this will afffect renting is difficult to say.. agents often check credit records but it all depends. Private landlords wont check in general.
  • RAS
    RAS Posts: 36,487 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    This is the link to the article with the info on getting them frhttp://www.moneysavingexpert.com/banking/credit-rating-credit-scoreee
    If you've have not made a mistake, you've made nothing
  • DeeDee99_2
    DeeDee99_2 Posts: 23 Forumite
    Thank you both, I've already applied for my reports so just waiting for them to arrive now. I'm just panicking that I will be rejected for rental when I have to move out of my current accomodation in a few weeks. (Not due to anything I've done, because the landlord wants to move back in)
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    RAS wrote: »
    This is the link to the article with the info on getting them fr http://www.moneysavingexpert.com/banking/credit-rating-credit-score

    DeeDee click on this link now

    Sorry RAS - just 'edited your post to make the link work - afew too many 'e's. :beer:
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
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