Credit Checks for Estate Agent / Landlord: Which Score to pass?

theartfullodger

S21 does not end tenant nor compel tenant to leave.  Only a court can do that.

Mr.Generous

theartfullodger said:

There is no requirement or law that makes a landlord or agent do a credit check, get rating or take references.  

So dunno.  

Every landlord insurance policy I've taken asks if the tenants were checked and referenced - I put 'Yes' because I do have every tenant checked professionally. What do you do?

_Penny_Dreadful

Mr.Generous said:

theartfullodger said:

There is no requirement or law that makes a landlord or agent do a credit check, get rating or take references.  

So dunno.  

Every landlord insurance policy I've taken asks if the tenants were checked and referenced - I put 'Yes' because I do have every tenant checked professionally. What do you do?

There’s nothing to say landlords require insurance either. 

FlorayG

Intentionally homeless - Shelter England

Mr.Generous

_Penny_Dreadful said:

Mr.Generous said:

theartfullodger said:

There is no requirement or law that makes a landlord or agent do a credit check, get rating or take references.  

So dunno.  

Every landlord insurance policy I've taken asks if the tenants were checked and referenced - I put 'Yes' because I do have every tenant checked professionally. What do you do?

There’s nothing to say landlords require insurance either. 

True, you could let a fully owned property to some random unvetted person with no insurance cover if you wanted to. Wouldn't be advisable for anyone with any sense, but not illegal. Mortgage conditions would insist on cover if property borrowed aginst.

Murphybear

theartfullodger said:

There is no requirement or law that makes a landlord or agent do a credit check, get rating or take references.  

So dunno.  

When I was a letting agent as well as an income and credit check we used to contact the previous landlord/agent if that were applicable and ask 2 questions.  Did they pay the rent on time and would you have them as a tenant again?  This worked well.  We were one of the few agents that were happy take housing benefit as we found they were often some of our best tenants and they knew that if they “misbehaved” it could be difficult to find another agent/landlord who would take benefits.  

gazfocus

Voyager2002 said:

I suggest you print out the file from Experian and/or Transunion and show it to an estate agent to see what they say.

OP, I would actually suggest you DON’T do this. 

All landlords/estate agents/letting agents are able to see on your ‘credit check’ is details of any CCJ/IVA/Bankruptcy so if you have neither of those, you’ve nothing to worry about. 

I wouldn’t offer up information about historic late payments or defaults which the landlord/estate agent doesn’t need to know about. They will all ask the question ‘do you have any adverse credit’. Late payments and defaults are not ‘adverse credit’ so you can safely answer ‘no’.