Sub-letting

OliverNW3

Ok thanks everyone (some moody people on here for the most wonderful time of the year) but I thank you all for the advice!

diggingdude

00ec25 wrote: »

you are a lodger (or as pointed in correct legal terms: an excluded occupier). There are hundreds of thousands of lodgers across the UK.

Do you really think an agency looking to vet you when you try and get a rental in your name will never have had to deal with someone who was previously a lodger? really?

Your credit score is not impacted by the fact you were a lodger, or a tenant for that matter. I presume you do not actually know what a credit score is? No one renting from a landlord is going to have their credit score impacted unless they have failed to pay rent and were successfully taken to court by their LL who then also sought a CCJ (county court judgement) against them.
On the other hand. if they paid on time there is no way on earth that would ever be reflected in a "credit score" as the LL has no contact whatsoever with the scoring agencies, and the agencies do not know you exist, and care even less that you paid rent on time to a landlord they know nothing about.

If you have no other evidence of being a good boy and paying on time (eg: credit card? mobile phone contract? as those are sources that the credit agencies will be following ) then a letting agency may (note may, not will) ask for a reference from your landlord in support of trying to work out if you are a payer.

your landlord is the person you pay the rent to. You are not subletting, and who your LL pays their rent to is utterly irrelevant.
Of course if that person refuses to commit in writing that they had rent from you, then you cannot make them. No one can say if your chances of success with an agency would be impacted by lack of such a reference. As said, there are loads of people in exactly the same circumstance for their first place.

Not necessarily true. OP could be using something like creditladder to pay their rent and feed back to the credit agencies. As times move on and more people rent this is likely to be an expectation from those renting who wish to buy in the future

[Deleted User]

OliverNW3 wrote: »

Ok thanks everyone (some moody people on here for the most wonderful time of the year) but I thank you all for the advice!

Sweet thing to say but some of us have done rather a lot of New Year celebrations and it kind of becomes just another year. Some of us don't need alcohol to make something 'wonderful'. There are plenty of opportunities to make real 'wonderful', in all the other 364 days of the year, which is far more important.

Different perspectives.