Tenant referencing

ben29nash

Hiya, im currently renting through a private landlord but I am looking to move out into a bigger place with my partner. I was just wondering what the letting agent can see on the credit check as I have pretty poor credit from missed payments and defaults and am I am worried im
Going to fail the referencing. Any insight would be appreciated.

cheers

[Deleted User]

They will only be able to see CCJ's if they look themselves but sometimes you are asked to get a print out of your file which will show what you can see.  

Comms69

deannatrois said:

They will only be able to see CCJ's if they look themselves but sometimes you are asked to get a print out of your file which will show what you can see.  

And if you are asked for this, you should refuse. 

macman

Why don't you just check your own files? Defaults showing will obviously put off most LL's, if they can get tenants who have clean records. 

ben29nash

macman said:

Why don't you just check your own files? Defaults showing will obviously put off most LL's, if they can get tenants who have clean records. 

As said
before I have poor credit due to
missed payments and defaults my question was to weather the estate agent will see this. As in will they do a hard search where you can see all missed payments etc or will the do a soft search where they just looks at public information cheers for the input though 

General_Grant

ben29nash said:

macman said:

Why don't you just check your own files? Defaults showing will obviously put off most LL's, if they can get tenants who have clean records. 

As said
before I have poor credit due to
missed payments and defaults my question was to weather the estate agent will see this. As in will they do a hard search where you can see all missed payments etc or will the do a soft search where they just looks at public information cheers for the input though 

Doesn't deannatrois's post tell you?  It's the first reply after your opening post.

ben29nash

General_Grant said:

ben29nash said:

macman said:

Why don't you just check your own files? Defaults showing will obviously put off most LL's, if they can get tenants who have clean records. 

As said
before I have poor credit due to
missed payments and defaults my question was to weather the estate agent will see this. As in will they do a hard search where you can see all missed payments etc or will the do a soft search where they just looks at public information cheers for the input though 

Doesn't deannatrois's post tell you?  It's the first reply after your opening post.

Unaware that was a place for people to be !!!!!! and not a place for actual advice or answers but again thanks for the input 

[Deleted User]

Comms69 said:

deannatrois said:

They will only be able to see CCJ's if they look themselves but sometimes you are asked to get a print out of your file which will show what you can see.  

And if you are asked for this, you should refuse. 

May I ask if you are suggesting to refuse as you regard such request as unreasonable in general for some reason? 
Assuming no cost to the tenant of course.
I mean he could refuse such a request but rightly or wrongly a landlord will become suspicious.

[Deleted User]

Im a guarantor for my son who is about to rent a flat. I could see when I looked on Credit Kalma that “Rentshield” who are doing the referencing did a soft search on my details. Not sure what they would have seen 

Bobby_Bouche

ben29nash said:

Hiya, im currently renting through a private landlord but I am looking to move out into a bigger place with my partner. I was just wondering what the letting agent can see on the credit check as I have pretty poor credit from missed payments and defaults and am I am worried im
Going to fail the referencing. Any insight would be appreciated.

cheers

I have rented since 2009 and moved 8 times. 
Big agents like Peter Alan used a credit reference agency. All they are worried about is CCJ's and bankruptcy.
I had low scores and everything was fine as they ask for proof of income and employment. I had savings and a job. 
If you are really worried try and find another private landlord.
As others have said go and get your actual credit file at Credit Karma so you know what is there.
Some agents might ask for 3 months upfront, but it's often the owners of the property who have a final say.
Good luck.

anselld

brett19852010 said:

Comms69 said:

deannatrois said:

They will only be able to see CCJ's if they look themselves but sometimes you are asked to get a print out of your file which will show what you can see.  

And if you are asked for this, you should refuse. 

May I ask if you are suggesting to refuse as you regard such request as unreasonable in general for some reason? 
Assuming no cost to the tenant of course.
I mean he could refuse such a request but rightly or wrongly a landlord will become suspicious.

It is unreasonable because the Landlord/Agent is not entitled to see that information.
Perhaps Tenant should be suspicious of Landlord trying to bypass the normal referencing procedures by requesting personal information by the back door.