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Landlord credit checks

Muggers1
Muggers1 Forumite Posts: 7
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Our IVA was completed 2 years ago. We have just sold our house and are planning to rent while we look for somewhere to buy. We have just applied for a rental property via a lettings agent and the application form asked if we had any CJs, IVAs etc, even if settled. Of course we have been honest. But if they do a credit check and reject us for the rental property will this negatively affect our credit report/score? We have had 2 years of a top credit score/report and I don't want a landlord check to negatively impact our ability to get a mortgage in the next 6-12 months. Should I be worried? Thank you.

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  • [Deleted User]
    [Deleted User] Posts: 3,297
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    Muggers1 said:
    Our IVA was completed 2 years ago. We have just sold our house and are planning to rent while we look for somewhere to buy. We have just applied for a rental property via a lettings agent and the application form asked if we had any CJs, IVAs etc, even if settled. Of course we have been honest. But if they do a credit check and reject us for the rental property will this negatively affect our credit report/score? We have had 2 years of a top credit score/report and I don't want a landlord check to negatively impact our ability to get a mortgage in the next 6-12 months. Should I be worried? Thank you.
    A tenancy reference check isn’t reported on your credit files. 

    All a landlord or letting agency can view are your public credit files which show CCJ and insolvency. If your IVA is still showing on your credit files then they will be able to see it....if it isn’t well I leave that decision up to you. 
  • K_S
    K_S Forumite Posts: 6,527
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    @muggers1 The reference check, if it shows on your report should only show as a soft-check. So that shouldn't have any adverse impact.

    Not directly related to your question, but given that you won't be applying for a mortgage for 6-12 months, even a hard-check or two on your credit report now should not have any material impact on your chances. 

    I am a Mortgage Adviser - You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. 

    PLEASE DO NOT SEND PMs asking for one-to-one-advice, or representation.

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