Rental credit checks

Emilyoflanye92

Thank you. I guess there's not a lot I can do, I have already handed my notice in at my current job and looking to move end October. I guess I'll just have to be open. I'm hoping that having my partner apply with me, who earns well. Will work in my favour too.

Blackpool_Saver

https://www.experian.co.uk/consumer/questions/askjames370.html?sc=701708&__cache=1564962212348&awc=7716_1564962212_2f0161cfadc656e277025aef888fd048&dclid=CjgKEAjwhJrqBRCzqp7V6_CrtDMSJADcIkisIOoZmDn6P26IYEBRNkDZQyIh6x73K5WFCM5dS-5R3PD_BwE

Blackpool_Saver

https://www.checkmyfile.com/articles/2892/personal-finance/which-credit-report-information-can-landlords-see.htm

Blackpool_Saver

Comms69 wrote: »

Source?


I accept some do. I've rented for 15 years give or take. 20+ properties (I move around) I've never supplied statements.

Flaming heck Comms, this is not a dissertation, I am not required to provide a source :rotfl:

I must have been unlucky then, as I have had to provide bank statements quite a few times. I don't have a problem with it as I have nothing to hide.
You have lived in 20 plus rental properties in 15 years, what the heck for? You must be bonkers:eek:

Blackpool_Saver

Emilyoflanye92 wrote: »

Thank you. I guess there's not a lot I can do, I have already handed my notice in at my current job and looking to move end October. I guess I'll just have to be open. I'm hoping that having my partner apply with me, who earns well. Will work in my favour too.

Emily, stop worrying, prospective landlords and agents are limited in what they can see on your credit report, look at the links I posted, all will be well :A provided you meet their affordability formula.

Emilyoflanye92

Okay I'll try to stop worrying now haha.

Comms69

Emilyoflanye92 wrote: »

So why is there such a big emphasis put on your credit score etc it's literally petrifying. I'm uprooting my whole life to be with him and this is by far the most stressful thing ever!

Because the world perpetuates lies to young people.

The only person who see’s your credit score is you.

Comms69

Blackpool_Saver wrote: »

Flaming heck Comms, this is not a dissertation, I am not required to provide a source :rotfl:

I must have been unlucky then, as I have had to provide bank statements quite a few times. I don't have a problem with it as I have nothing to hide.
You have lived in 20 plus rental properties in 15 years, what the heck for? You must be bonkers:eek:

I move around 😀👍🏻

parkrunner

Emilyoflanye92 wrote: »

Park runner - no never missed a payment!

Then I don't understand why you've got a low credit score.

max50

Blackpool_Saver wrote: »

Emily, stop worrying, prospective landlords and agents are limited in what they can see on your credit report, look at the links I posted, all will be well :A provided you meet their affordability formula.

This is incorrect unfortunately (but was correct until very recently).

Letting agents used to only have access to publically available information, however, there are some (as mentioned above) who through the services of TransUnion or others now have access to a tenant's FULL credit file, which will include details of all bank and credit accounts, defaults, late payments etc, as well as CCJs, bankrupties which are available publically.

Letalliance offer exactly this service, since June this year.

I would post a link, but am too new a member. You can see in the referencing section on their website.