henalbenal
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Hi,
find out why your credit history is bad - go to Experian (http://www.experian.co.uk/) or Equifax (http://www.equifax.co.uk/) to find out (if there has been a genuine mistake you can write to them and ask them to attach a letter from you explaining why this has happened and why it's not your fault).
Also - you could uncover some fraud that has been done against you - so that ought to be a priority.
When I rented this house no credit check was done (a private landlord). It depends who you rent through. Some are not rented by Estate Agents - maybe it's worth going through a less formal arrangement (however your rights won't be affected if you do - just make sure you have a proper agreement). Check this out.
Above all though, you must get to the bottom of why your credit history is so bad. You might find your parents' is too - and that it's because of prevous bad debtors at their family home. That can sometimes do it.
Good luck.
If you are in financial difficulty and are in the UK go to the Credit Consumer Counselling Service (based in Leeds) for help. They are brilliant.
Equifax charge £14.95 online to view your report.
Experian - there is a 'free' report, but you probably have to sign up first, for something - check it out. |
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st.abbs
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Most Agencies only look up the main tenants credentials, I know this sounds mad but in order to get a credit rating you must have credit, Visa,MasterCard,electric account,store card etc.
As you live with your parents your rating is very low, some sites on the Internet will tell you your credit rating. If you are really worried why don't you try the local council or housing association,but if you live in London you may have a long wait.
Good luck anyway. |
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ishti a
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YES U CAN !!!
BUT i will tell you private!! |
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Adze
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More than likely your home address is giving you a bad
credit rating,ome one in family bad payer,that is if
you are a good payer.
Be honest with them and explain why your rating is bad.
If your boy friend has a good credit rating ? let him put
his name own as the tenant and here should be no problem |
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ally_reddy
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Renting is a different story than buying. If you buy, good credit history is a must!!! If you rent, they do not normally care about your history. All they want is for you to pay two months rent up front and if you can't make it, too bad. Bt it shouldn't have a major impact on your choice to rent. |
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Paul D
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just use a private landlord, no credit checks. |
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john_atun
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no lol |
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BABY GIRL 1
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IT DEPENDS ON IF THE PROPERTY MANAGER DOSE CRDIT CHECKS. HE MIGHT JUST WANT SOMEONE DECENT IN HIS FLET. IF NOT GET SOMEONE TO CO-SIGN FOR YOU. |
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hazefb22
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Its not as hard as what you think! my partner and i have just done it. My credit is good, his is bad. So they make you find a guarantor. Basically some one who you choose ie mum friend etc signs an agreement to say that they will support you if you ever have trouble paying your rent. Not that you should ever allow that situation to arise!
you also need to find 2 months rent up front to pay the estate agents as a deposit, but this is normal for if your credit rating is good or bad.
Sorted! |
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x
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Would you let your flat to someone has a habit of not paying her bills?
Sorry, but why should the landlord take the risk when he can let it to someone else who presents no risk.
If your boy friend's credit history is better than yours let him try to get the flat on his own. |
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RUTH M
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Really depends on if the landlord is willing to take a risk. I just took on a young lady who had disputes with her previous landlord and had rent arrears. She's been ok for the first month. It's really down to you to sell yourself here, have a couple of months rent in advance and a decent bond if at all possible. Then make sure you pay your rent on time. At the end of the day your landlord can keep your bond if you get into arrears, so it's a risk for you both. You need to come across as trusting and honest, everyone goes through a bad patch, which escalates and you end up getting into debt, it can be put right if you try hard enough. Try getting a letter from your parents as guarantors too that would help, if they are willing to do that. Anyway happy house hunting and good luck. xx |
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Begbie
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When you are letting a flat it shouldn't matter about credit history. If you were taking out a mortgage it would be different. What you basically need when letting property is the first months rent say £400 then usually another £400 as a deposit which will be returned to you when you leave the property considering nothing is damaged. Now some landlords/ladies may ask for a reference usually from your employer, and a letter from your bank basically stating that you shall have sufficient funds in your bank to pay the monthly rent. This sounds alot i know but if you have sufficient funds to let the property then your credit history need not be consulted. |
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burlyone79
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As long as you have a deposit - i can see no problem in renting a flat. Utility compaines may also ask a deposit for services supplied but as your b/friend has a good record it should be fine. It may be worth getting a credit check done by Experian to see why you have a bad credit history. |
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derbyandrew
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Yes is the answer, you will have no trouble renting due to your credit history. I am involved in housing, attend Landlord forums etc. and have yet to come across a Landlord that did a credit check. Nearly all private Landlords will ask for a rent deposit or bond, plus a months rent in advance. 85% will pursue references either from your employer or previous Landlord if applicable. If you can provide the bond, months rent in advance and references you will have no trouble at all.
Some letting agents do credit checks but they only act for a small percentage of Landlords - just avoid the Agents who do credit checks. By the way just be warned - letting agents have all sorts of add on fees - like charging you up to £125 for 'administration costs' in setting up the Tenancy Agreement. In reality it is a pro-forma document costing nothing. The ones that do credit checks charge YOU for the privilege (none refundable if it is negative) even though it is to protect THEIR client. Avoid letting agents is my advice and deal with Landlords direct.
Good luck! |
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amanda a
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Landlords don't check credit history all we check is bank reference and employers reference. The main point is that you can pay the rent now not happened in your past. Any estate agent or private landlord would not be able to check your credit history under privacy laws.
Be responsible though and pay your rent and start re-building your credit history by not giving your parents address and paying your debts on time. Takes a while but is worth it. |
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sunshine_honey69
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It doesn't mean you wont get one but they may require what is called a 'Guarantour' this is somebody that will back you up and promises to pay on your behalf you you ever miss a payment. If you don't have anyone that will do this for you perhaps you should leave your name off the form or rent somewhere privately. If you go for the latter be vary carefull, there are a lot of landlords that will try to scam you out of your deposit when you leave. Make sure you take lots and lots of photos of the place before you move your stuff in listing any marks & defects to the property. Keep a copy for yourself and give on to your landlord/lady.
Good Luck!! |
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johnk1964
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yes, but your landlord will probably ask for a rent deposit / security deposit, so be prepared to hand over more cash upfront before you move it. |
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leon
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depends who you go with,if you go with a landlord out off a paper,chances are they wont do a credit check,however if you go with a company that has plenty off accomadation they will do a credit check,if you do have the money for a depoist and the usual month up front,you should be ok,you may have trouble with a gas supplier or electric,they will do a credit check,if you do fail the check they will ask you for a depoist or put you on prepayment meter,all the best,happy christmas to you.
Leon. |
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sarah l
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i have not got good credit but me and my fella went to few a house to rent on a wed and moved in on the friday no probs never had credit check |
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dalal o
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I am currently asking myself the same question but am being told as long as i can afford to pay the rent,there should be no problems.A guarantor was mentioned but when i questioned this with the agency,i was told you can only have a guarantor if one is requested by the credit company.I also paid a £200 holding deposit of which i was told is non refundable should i fail my credit check.At the end of the day,all a landlords is interested in is if you can pay the rent and if you have been in employment and have good references,i don't see a problem.I am still waiting a reply on mine so will give you a more clear answer next mid week.Also,if you think about how much of the population are in debt but have roofs over there head....there must defo be some leeway then! Good luck x |
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Barny
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As long as you have at least 6 months worth of payslips and bank statements that show you get a regular salary and that you are not consistantly overdrawn, you should be fine. |
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apple
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i got a house with a bad past, depends if landlords prepared to give you a chance too prove yourself, you can only try goodluck |
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cyrill l
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yes |
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ooo3bffd8626af16
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The answer is , I f you partner is the one paying the rent then NO as he will be the one responsible for paying the rent on time and not you. but if the agreement is a joint one that means both of you and the company that is doing the renting is reputable then they might do a credit check on both of you so that they can be assured that the rent will be paid on time without any default, on the other hand if the landlord is a bit dodgy then it wont matter to much what your credit history is like until you fall behind with the rent then you might just find one day all your belongings on the doorstep, highly illegal for the landlord to do this but then all they say is sue me, and since you cant afford the rent there is no chance of paying for a solicitor and they win, so good luck with your flat hunting and hope it works out for you. |
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GRINDLE
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You need at least a months deposit. |
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Nort
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Stay at home and just work on geting your credit streight. That will serve you much more than finding a place to shack up. |
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tboyd322001
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yes you can rent, you just have yo pay some peolple won't take on dhss all you need is a deposit thought he landlord would look for some kind of refrence so you can be trusted. |
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delta9
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Yes you can try looking in the smaller ads of the local papers normally so long as you have enough to pay the deposit and the rent that is normally enough.You could also try some independant agencies they might be willing to take a chance. |
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Grizzly
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Depends on a number of things.
How much rent are you looking to be paying out? Average 1 bed flat £400 - £450 per month (depends where you are in the country, it could be way more.)
Most letting agencies will do referencing through a reputable company who will look at the affordability. Usually the required income is 2.5 times the rent being charged so if your boyfriend is earning around £1125 per month (gross) or £13,500 per year the referencing can be mostly based on him which makes your history less worrying.
If your boyfriend doesn't earn that you may be able to use a guarantor who will usually need to be earning 3 times the rent.
If your boyfriends income is low and you don't have a guarantor be honest about your concerns with the letting agency. If they know their stuff they will be able to point you in the direction of Landlords who are more lenient so even if you do have a low credit score they may still be willing to let to you. |
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Stephanie C
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It is odd that you do not know why you have a bad credit history.... Have you looked at a credit report? Is there anything you can do to improve it?
You can rent a flat but it will be harder - better chance if you avoid agencies and go directly to a private landlord who will not do so many checks.
By the way, a guarantor does not need to be earning 3 times but needs to be a home owner. I work in housing and have had guarantors who are retired or who are simply home owners - they just have to have some guarantee that they will cover your rent should you default. Obviously this would only be valid until the tenancy runs out. |
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ebo
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if its with a private landlord yes. but estate agents do a thorough search on you.or you could share with a mate and put it in her name |
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