Renting after a DRO

RickHoughton Forumite Posts: 286
Part of the Furniture 100 Posts Combo Breaker

Me and my wife have had a DRO in the last couple of years, but have been cleared now for nearly a year.

Our current landlord is a friend of the family, but unfortunately he is having to sell the property we live in. Looking around estate/letting agents, we've seen a few places we like, but every time we apply, we are getting knocked back to due our credit score being low. Our current landlord is willing to guarantor for us, but still we aren't getting accepted.

Family are in no position to help, council are helping, but we are low on priority lists.

Every time we apply for somewhere we get another hardcheck, which will bring our already low credit score even lower.


  • sourcrates
    sourcrates Forumite, Ambassador Posts: 27,673
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The credit score you see, is not the credit score financial decisions are made with, only you see the number the CRA gives you, potential landlords can do either a basic credit/identity check, or a much more in-depth credit check, they run that against their own credit scoring system, so it depends which kind of check they do on you.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- The "provit letter" is here-
  • 1977dave
    1977dave Forumite Posts: 90
    Second Anniversary 10 Posts Name Dropper
    Whereabouts do you live OP as some housing associations let you apply directly through them for a home. I saw my flat on Places for people housing association, I applied and got it, it's a case of first come first served, I wasn't credit checked either.

    I know a few housing associations let you apply direct, some you have to go through a hub website and bid
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