Renting on a DMP

BarginBetty79

Good morning
I am one year into a DMP and defaults have started to show on my accounts. 

My partner and I are looking to rent. house together and I’m worried I won’t pass the credit checks. I’ve check my file and I have no IVA or CCJ, I’ve got no overdraft and can afford the property.
 I’ve had mixed messages on Google on what a letting agent can actually see on the checks. The letting agents form only asks if you have a CCJ/IVA. 

Can anyone just confirm only soft checks are performed or have been in a similar situation.
As these debts are my own and occurred before I moved in with my partner he’s unaware of them and I’d like it to stay that way, he has a very well paid job and very vocal in his opinion on debt. 

Many thanks 

Janey51

I was in a DMP 12 years ago and had no problem renting a house which I am still in. The agent said they were only interested in references from previous landlord and whether I had any CCJs. Good luck.

sourcrates

Before a landlord can run a credit check they must obtain permission, usually in writing, from the prospective tenant. 

The information they will receive will not be as comprehensive as the information available to lenders, credit reference agencies and the tenants themselves. It will only include information held on public registers, such as the electoral roll, the Individual Insolvency Register and The Register of Judgments, Orders and Fines.

Essentially a landlord will be able to confirm a tenant’s name and address, as well as any history of insolvency or CCJs. They can’t access information on credit agreements, credit limits or repayments. Tenants are not legally required to agree to a credit check, but without one a landlord may not feel confident renting to that individual.