Agents & credit references - any way round it?

Batty_3

Hector-The-Inspector wrote: »

Batty wrote: »

I've always had to pay a £125 'search' fee (non-refundable) for this check and ALWAYS been told I had bad credit, despite I've rented for over 9 years in various houses and never missed rent.

HOWEVER

They nearly always ask you to provide a 'gaurantor' who is in full time employment, who would vouch for you. If you have someone willing to do this (and they have to be a very good friend to be sure you wont default) then despite the check you should be ok...... unless of course another person applies and pays the deposit before you do. I nearly lost out on once house due a rubber cheque! (Banks fault not mine)
Now they like a Bankers draft for the bond, plus first month in advance, so be sure to stash away for that ok?

So even if you had bad credit, it doesn't always mean you cant rent

Hope you get it............... I have to hide my cat on inspections![/quote]




Oh right! well my wife has an allergy to cats fur, and I don't care much for biting flees.



Hmmm, if your renting my property while I'm working abroad , and you clearly know what's written on the lease, you really are a dishonest little runt, aren't you?

Who the hell do you think you are calling me a runt????

Im not renting YOUR property. I let from a letting agency, the landlord will never live in this property and my cat is not flea ridden..........

Quite frankly your attitude stinks........

newname_3

Thanks to the OP for reminding me of something. All though my credit reference should be absolutely fine a debt collection firm tried to collect a previous tenant's debts from me. Although that was all cleared up (eventually) I'm worried whether I'll have this erroneous debt problem listed as mine. I shall have to do some online searches.

Good luck to the OP.

SuzySu

OMG......I didn't mean to start WWIII, but thanks for the helpful replies everyone. Its good to know what to expect. I did speak to the letting agents this afternoon about a property we are interested in and said upfront that our credit history might cause a problem. I explained that I have had a good credit history for the past 10 or so years, but since January this year there have been missed payments etc including a 1.5 months mortgage missed.

He asked whether we had any CCJs or were filing for BR and I said no. He said he didn't think there would be a problem. He also mentioned that a lot of people have missed payments (although I appreciate it's only my circumstances that matter to me).

He did not mention anything about a guarantor, but at least I am armed with the knowledge that he might.

We can't do anything now until we exchange contracts (hopefully end of this month) and if the house is still available, we will probably go for it.

clutton_2

best of luck suzy - not all LLs/agents are wicked monsters !!!

SuzySu

No, I do realise that and they are only doing their job - some just do it better than others.