Credit check by letting agents?!

Alison82 · 25th July 2006, 14:44

Can a letting Agent (sole agent) do a credit check? Are they able to go into your file and see whats what or do they look at you score?

bongobaz · 25th July 2006, 15:17

i have just had mine done through a leeting agent called lets xl!!
they have charged my g/f and i £50 each for a £2 credit check!!!

Alison82 · 25th July 2006, 15:25

Do they get to see everthing, it's just thst I have 2 defaults that I am currently in the process or arging and I don't want these to ruin my chances, will these be a major problem?

bongobaz · 25th July 2006, 16:05

they will use either experian, equifax or call credit!
and yes they will see everything on your report!
i have a ccj showing that was settled last year and i got turned down by lets xl so had to get a guarntor to sign with me!
if you tell them you have bad credit before they do the checks they will be ok about it!
just you might need a gurantor!!

hope this helps and keep us informed!!

Jhawc24 · 25th July 2006, 16:14

Does the guarantor have to agree to a credit check?

bongobaz · 25th July 2006, 16:21

Quote:

Originally Posted by Jhawc24

Does the guarantor have to agree to a credit check?

mine didnt through lets xl.
they just had to be on electrol role and earn three and a half times the rent!

Alison82 · 25th July 2006, 16:38

Just soke to the letting guy, expalianed the situation, he said it was ok, it was just ccj and court orders they were worried about, a default is nothing for them to worry about; which has put my mind at rest

thanks

Rich44 · 26th July 2006, 11:13

Last time I had a problem and admitted to a CCJ I got turned down for the flat I wanted, when it came up again 6 months later I reapplied and declined to tell them about the CCJ I thought stuff em let a credit check spot it and I got the place they did do the credit check but still let me have the flat

martin2006 · 5th August 2006, 22:10

it costs around £17.50 for an online credit check. the £2 check is the paper version u get sent to your home address.
ditto what everyone else says, just tell them first they are usually ok with it.

Janet-M · 5th August 2006, 22:33

No one can lodge a search of your credit file without you giving them permission as any searches stay on your file.If anyone has searched without you giving them permission then point it out to them straight away and demand they get the search removed.

5th August 2006, 22:49

My understanding of letting agents is that they write to the bank with your consent to ask whether you are creditworthy for a payment of x amount per week/month. I don't know their terminology but ours is status enquiry which costs £8.50.

Janet-M · 6th August 2006, 03:01

Maybe with consent , but a previous poster said it was done without consent

londinium · 11th August 2006, 03:17

A Letting Agent can do both a status enquiry to your bank and a credit search as long as they have your permission to do so.

A bank will then charge you about £8-10 for the pleasure of a status enquiry.. The credit search normally costs the agent around £10.

The credit search can be a non registered search and thus does not effect any credit rating.

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit	Small Claims Court Guide New Edition	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki N.B. Please note - due to postage costs these products are only available in the U.K.