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First rental need advice

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Comments

  • Joana321
    Joana321 Posts: 6 Forumite
    aneary thank you for your answer, so does that mean a financial crime like Fraud wouldn't show up? Like a CIFA Marker as public record?
  • anselld
    anselld Posts: 8,722 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    CIFAS is not visible to Landlords or Agents, it is not a public record.
  • 123warrior123
    123warrior123 Posts: 8 Forumite
    anselld wrote: »
    CIFAS is not visible to Landlords or Agents, it is not a public record.

    Correct.

    However

    "Most landlords run a credit check to see if you've had problems paying bills in the past.

    The landlord will need your written permission to do this.

    Be honest about a bad credit rating before you pay any fees. If you fail a credit check you risk losing any fees you may have paid.

    If you have a poor credit history you could be asked to provide a larger deposit, pay more rent in advance or find a guarantor."

    Once they have your written permission they see everything. And if you dont give them it. They will refuse you.

    So yes fraud and CIFA will most definately be found out.
  • aneary
    aneary Posts: 921 Forumite
    123warrior123 wrote: »
    Correct.

    However

    "Most landlords run a credit check to see if you've had problems paying bills in the past.

    The landlord will need your written permission to do this.

    Be honest about a bad credit rating before you pay any fees. If you fail a credit check you risk losing any fees you may have paid.

    If you have a poor credit history you could be asked to provide a larger deposit, pay more rent in advance or find a guarantor."

    Once they have your written permission they see everything. And if you dont give them it. They will refuse you.

    So yes fraud and CIFA will most definately be found out.

    No they don't they see public records, your credit report is not seen.

    They may ask for employee and previous LL references.

    OP please ignore this poster.
  • 123warrior123
    123warrior123 Posts: 8 Forumite
    aneary wrote: »
    No they don't they see public records, your credit report is not seen.

    They may ask for employee and previous LL references.

    OP please ignore this poster.

    So you are telling me a landlord or agent cant find out about fraud. How is that possibly fair?
  • aneary
    aneary Posts: 921 Forumite
    123warrior123 wrote: »
    So you are telling me a landlord or agent cant find out about fraud. How is that possibly fair?

    A full credit check carry only be carried out by a potential lender.

    As the LL is not lending you any money/goods (cars etc) they can only see your public records.

    Which covers CCJs, IVAs and Bankruptcy.

    The references from previous LLs covers whether you pay ontime and the employee reference is to see if you earn enough to cover the rent,.
  • anselld
    anselld Posts: 8,722 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    123warrior123 wrote: »
    So you are telling me a landlord or agent cant find out about fraud. How is that possibly fair?

    In practice they can find out very little. That is why there exists rent insurance, etc or the L accepts the risk themselves.
  • Comms69
    Comms69 Posts: 14,229 Forumite
    10,000 Posts Third Anniversary Name Dropper
    123warrior123 wrote: »
    So you are telling me a landlord or agent cant find out about fraud. How is that possibly fair?



    Fair? It's a business, it has risks......
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