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Tenancy Referencing - will I pass?
newcastletoon
Posts: 7 Forumite
Letting a property and the referencing is being done through a company called Rent4Sure.
Got a good job (5x annual rent & been there 7 years) and applying with someone else (2.5x annual rent). Current Landlord has vouched for me being a good tenant and never missing/being later on payments (paying more that I would be at the new place).
However, the site suggests it all comes down to credit score. I have no CCJs, Defaults, Bankruptcy etc. However, my credit score is pretty low because of level of credit I'm using and a couple of small missed payments (yes I know, shouldn't let that happen etc but it's a long story). I've also only recently applied to be on the Electoral Roll in my current property (move in mid-June), I do appear on the Electoral roll for previous addresses.
Is the credit score they will see my actual credit score? Or is it a different score based purely on stuff like CCJs? I was under the impression only very limited info was exposed to them.
Thanks
Got a good job (5x annual rent & been there 7 years) and applying with someone else (2.5x annual rent). Current Landlord has vouched for me being a good tenant and never missing/being later on payments (paying more that I would be at the new place).
However, the site suggests it all comes down to credit score. I have no CCJs, Defaults, Bankruptcy etc. However, my credit score is pretty low because of level of credit I'm using and a couple of small missed payments (yes I know, shouldn't let that happen etc but it's a long story). I've also only recently applied to be on the Electoral Roll in my current property (move in mid-June), I do appear on the Electoral roll for previous addresses.
Is the credit score they will see my actual credit score? Or is it a different score based purely on stuff like CCJs? I was under the impression only very limited info was exposed to them.
Thanks
0
Comments
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You should be fine. They cannot see anything except public records (CCJ, Bankruptcy, IVA etc) and credit score is purely fictional anyway.0
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OK thanks - it seems to say they get a score of between 480 and 620 from Transunion. No idea how this score is calculate/what it factors in. Guess will have to wait and see0
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