We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

Landlord credit checks

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.

Comments

  • [Deleted User]
    [Deleted User] Posts: 3,297 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    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 Posts: 6,837 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    @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.

Meet your Ambassadors

Categories

  • All Categories
  • 347.2K Banking & Borrowing
  • 251.6K Reduce Debt & Boost Income
  • 451.8K Spending & Discounts
  • 239.5K Work, Benefits & Business
  • 615.4K Mortgages, Homes & Bills
  • 175.1K Life & Family
  • 252.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 15.1K Coronavirus Support Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.