Renting with defaults on credit file

2021rdsunshine

Wondering if any of you have experienced going  through an estate agent for a rental and passing the referencing process with defaults on your credit file? 

RAS

The basic checks done by most agents covers CCJs and insolvency. Some will ask you to agree a more detailed check that identifies defaults. This should be clear from the information on their websites. Try Openrent etc. 

2021rdsunshine

RAS said:

The basic checks done by most agents covers CCJs and insolvency. Some will ask you to agree a more detailed check that identifies defaults. This should be clear from the information on their websites. Try Openrent etc. 

thank you. I just had a viewing of a property and as part of the paperwork to fill there is a question asking if we had any ccj, bankruptcies, Iva’s or defaults. I have to answer yes to defaults because they will do credit file searches and will see it there. Just worried that we’ll completely fail. I have been trying OpenRent with no luck unfortunately. 

justinthegreat

2021rdsunshine said:

RAS said:

The basic checks done by most agents covers CCJs and insolvency. Some will ask you to agree a more detailed check that identifies defaults. This should be clear from the information on their websites. Try Openrent etc. 

thank you. I just had a viewing of a property and as part of the paperwork to fill there is a question asking if we had any ccj, bankruptcies, Iva’s or defaults. I have to answer yes to defaults because they will do credit file searches and will see it there. Just worried that we’ll completely fail. I have been trying OpenRent with no luck unfortunately. 

Hi, you can check Experian, Clearscore or Credit Karma if you’re registered. Checked on the soft search if you can see the name of the referencing company. If they do soft search, they can’t see defaults. But if you see that they did a hard search, then will see it.

2021rdsunshine

justinthegreat said:

2021rdsunshine said:

RAS said:

The basic checks done by most agents covers CCJs and insolvency. Some will ask you to agree a more detailed check that identifies defaults. This should be clear from the information on their websites. Try Openrent etc. 

thank you. I just had a viewing of a property and as part of the paperwork to fill there is a question asking if we had any ccj, bankruptcies, Iva’s or defaults. I have to answer yes to defaults because they will do credit file searches and will see it there. Just worried that we’ll completely fail. I have been trying OpenRent with no luck unfortunately. 

Hi, you can check Experian, Clearscore or Credit Karma if you’re registered. Checked on the soft search if you can see the name of the referencing company. If they do soft search, they can’t see defaults. But if you see that they did a hard search, then will see it.

Yes I have checked and there is no soft or hard search. I’m just assuming that credit file is not updated immediately. This happened in the last couple of days 

justinthegreat

2021rdsunshine said:

justinthegreat said:

2021rdsunshine said:

RAS said:

The basic checks done by most agents covers CCJs and insolvency. Some will ask you to agree a more detailed check that identifies defaults. This should be clear from the information on their websites. Try Openrent etc. 

thank you. I just had a viewing of a property and as part of the paperwork to fill there is a question asking if we had any ccj, bankruptcies, Iva’s or defaults. I have to answer yes to defaults because they will do credit file searches and will see it there. Just worried that we’ll completely fail. I have been trying OpenRent with no luck unfortunately. 

Hi, you can check Experian, Clearscore or Credit Karma if you’re registered. Checked on the soft search if you can see the name of the referencing company. If they do soft search, they can’t see defaults. But if you see that they did a hard search, then will see it.

Yes I have checked and there is no soft or hard search. I’m just assuming that credit file is not updated immediately. This happened in the last couple of days 

I’ve also read somewhere that someone was asked the same thing to declare IVA, bankcruptcy, CCJs and defaults. She did not declare it as it’s only a landlord check and she was able to pass referencing without issues. 

2021rdsunshine

justinthegreat said:

2021rdsunshine said:

justinthegreat said:

2021rdsunshine said:

RAS said:

The basic checks done by most agents covers CCJs and insolvency. Some will ask you to agree a more detailed check that identifies defaults. This should be clear from the information on their websites. Try Openrent etc. 

thank you. I just had a viewing of a property and as part of the paperwork to fill there is a question asking if we had any ccj, bankruptcies, Iva’s or defaults. I have to answer yes to defaults because they will do credit file searches and will see it there. Just worried that we’ll completely fail. I have been trying OpenRent with no luck unfortunately. 

Hi, you can check Experian, Clearscore or Credit Karma if you’re registered. Checked on the soft search if you can see the name of the referencing company. If they do soft search, they can’t see defaults. But if you see that they did a hard search, then will see it.

Yes I have checked and there is no soft or hard search. I’m just assuming that credit file is not updated immediately. This happened in the last couple of days 

I’ve also read somewhere that someone was asked the same thing to declare IVA, bankcruptcy, CCJs and defaults. She did not declare it as it’s only a landlord check and she was able to pass referencing without issues. 

That’s reassuring, I’ll update the thread once I hear from estate agent. Might be useful for others in the same situation. Thank you 

justinthegreat

https://forums.moneysavingexpert.com/discussion/6379852/renting-with-bad-credit-please-help

This is from someone who rent a place with defaults

jimmy2024

2021rdsunshine said:

Wondering if any of you have experienced going  through an estate agent for a rental and passing the referencing process with defaults on your credit file? 

In my experience, they often don't even do the credit check. It's sometimes just an excuse to take more money from you. 

justinthegreat

Hi, any update on this thread?

sourcrates

justinthegreat said:

Hi, any update on this thread?

What update are you looking for?

Agents can do one of two searches, either what`s known as a "landlord check" or a full credit check.

Its already been established that a landlord check just confirms identity and searches the public register, wear as a full credit check gets them the whole chi bang.

It depends on the letting agent as to which search they require, so if in doubt, ask.