Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

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  1. #1
    Basic Account Holder Alison82 Novitiate

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    Default Credit check by letting agents?!

    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?

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  2. #2
    Basic Account Holder bongobaz Novitiate

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    Default Re: Credit check by letting agents?!

    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!!!

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  3. #3
    Basic Account Holder Alison82 Novitiate

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    Default Re: Credit check by letting agents?!

    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?


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    Basic Account Holder bongobaz Novitiate

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    Default Re: Credit check by letting agents?!

    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!!

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  5. #5
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    Default Re: Credit check by letting agents?!

    Does the guarantor have to agree to a credit check?

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  6. #6
    Basic Account Holder bongobaz Novitiate

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    Default Re: Credit check by letting agents?!

    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!

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  7. #7
    Basic Account Holder Alison82 Novitiate

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    Default Re: Credit check by letting agents?!

    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


  8. #8
    Basic Account Holder Rich44 Novitiate

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    Default Re: Credit check by letting agents?!

    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


  9. #9
    Basic Account Holder martin2006 Novitiate martin2006's Avatar

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    Default Re: Credit check by letting agents?!

    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.

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  10. #10
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    Default Re: Credit check by letting agents?!

    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.


    When you want to fool the world, tell the truth.

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  11. #11
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    Default Re: Credit check by letting agents?!

    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.


  12. #12
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    Default Re: Credit check by letting agents?!

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


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  13. #13
    Basic Account Holder londinium Novitiate

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    Default Re: Credit check by letting agents?!

    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.



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