Credit Check Concerns (Noddle) Renting from Agency

bellyeoman

Hi
Reserved a home to rent and pending the leasing agent credit and employment checks all ready to go. Did a free Noodle check myself and amazed my score is poor only 2/5 (562 score)
I have been through whole file and there is not one late payment or default. I have rented since 1997 no mortgage. I have one credit card ( no defaults /late payments) with balance on 814 and credit limit of 10k. In a panic after seeing my score I have just paid this off in full so zero balance as of this morning. Otherwise I have car HP agreement 6 months old for about 6k , home shopping account of about 3k. I earn 40k. No debt issues.
Only other issue I can think of my partner ( not married but live together and applied unsuccessfully for mortgage about 8 yr ago) was bankrupt​ in the past ( says the 5 year timescales for this was completed a year ago) there is nothing on the book file about this but could it be " association" with his debt ?
Really upsetting me and so stressed as I need to move
Would this low credit score impact on a lease company taking me on. I have never had any issue as a tenant no arrears etc
Any help advice or support - in tears here as feel so trapped

anselld

Letting agents cannot see the score, nor most of the detail. They can only see CCJs, Bancruptcies, IVAs.
Is you partner on the tenancy application? Does the report list him as a linked person?

bellyeoman

No tenancy will be in my name and on the site (noodle) I used to do credit check there was not a section to check association?

jlaw4

its under connections and other links in the credit report section

if you are financially linked, this is why it is low. don't panic though our letting agent accepted us with a fairly low credit file