Call Credit can't find me ! URGENT

yaeco

And Thrugelmir, get out of Europe and I'll gladly leave.

SeduLOUs

GingerBob wrote: »

Let's just clarify something here; your average pond life rental agent doesn't normally get to see credit data about you which the CRAs have harvested. And why should they? They are not offering you credit. However, data rape specialists such as Experian and others do provide information of sorts about the possible credit worthiness of potential tenants. It's a bit of a grey area, but I think what we're talking about here is some sort of identity check. In this regard the CRAs offer open house to all comers.

Maybe I'm completely wrong then, but I thought credit checking was completely normal and to be expected when renting property (and OP specifically mentioned credit checking, not identity checking in the first post).

I understand it's not a credit agreement in the typical sense, as you would normally pay rent upfront, but considering how long it can potentially take to evict a tenant should they fall into rent arrears, I've never considered credit scoring to be an unreasonable thing to do prior to handing over a set of keys (I'm a tenant, not a landlord).

Shelter's website seems to suggest credit scoring is normal and legitimate if done with the tenant's consent: http://england.shelter.org.uk/get_advice/private_renting/renting_privately/how_private_landlords_check_tenants

Anyway, regardless of the reason for checking OP's credit file, the problem seems to be a lack of a credit file, due to lack of utilisation of any form of credit, so I stand by my advice about obtaining some form of credit to avoid similar future problems.

yaeco

I'll just buy a place cash next time I want to move, and for next week I'll move and pay 6 months rent, I won't abide by stupid rules. But I'm wealthy enough for that, I just think of how unfair and unacceptable it is for other people. How can you accept companies you have no contact with to be allowed to spy on you and make money out of it? Big brother...what an invasion of privacy.

GingerBob_3

SeduLOUs wrote: »

Maybe I'm completely wrong then, but I thought credit checking was completely normal and to be expected when renting property (and OP specifically mentioned credit checking, not identity checking in the first post).

I understand it's not a credit agreement in the typical sense, as you would normally pay rent upfront, but considering how long it can potentially take to evict a tenant should they fall into rent arrears, I've never considered credit scoring to be an unreasonable thing to do prior to handing over a set of keys (I'm a tenant, not a landlord).

Shelter's website seems to suggest credit scoring is normal and legitimate if done with the tenant's consent: http://england.shelter.org.uk/get_advice/private_renting/renting_privately/how_private_landlords_check_tenants

Anyway, regardless of the reason for checking OP's credit file, the problem seems to be a lack of a credit file, due to lack of utilisation of any form of credit, so I stand by my advice about obtaining some form of credit to avoid similar future problems.

Shelter are wrong. Have a look at these sample reports from Experian:


http://www.experian.co.uk/background-checking/tenant-screening.html


In terms of what can loosely be called "credit information" they only report what's in the public domain; CCJs for example. They don't divulge their detailed credit data on the potential tenant, much as it must pain them not to do so. In other words, while a so-called generic check is posted against the tenant, he won't be slapped with a credit check.

yaeco

....double post sorry