Credit scoring in application for rental property

[thedryad]

Hi all,

 

My husband and I have been given 2 months notice to find somewhere else to live by our landlord, as they want to sell the house.

 

We've applied for a house we like through an estate agents - we've applied in both our names and paid £42 each for the credit check.

 

My question is, well more of a concern really... we both have a REALLY bad credit score, we are in debt to multiple credit card companies etc though we have very recently put repayment arrangements in place with them.

 

I have a CCJ but I made the estate agent aware of this and they cleared it with the landlord of the property we've applied for. She doesn't have a problem with it.

 

So what I'd like to know is - is the credit check done to check our credit score? Or just to check that we don't have any CCJ's or other things that we didn't declare in our application?

 

Thanks

[thedryad]

By the way before anyone asks, a valid S21 has been issued.

Edited June 5, 2014 by thedryad
Typo

[thedryad]

I've just got our credit scores from "call credit" who are the company the estate agency use. My husband's is 484 (or 1/5) and mine is 412 (1/5).

[Bandit127]

Steady on. They are not getting your credit scores. They are getting an overview of your credit history.

 

Stuff like Bankruptcy, CCJs and defaults will show up.

 

Payment history will not. They will not "credit score" you.

 

You already did the legwork by getting your CCJ agreed. Unless you missed out a CCJ or a default you will pass the "credit check".

[thedryad]

Thank you! So they're not looking at our credit scores at all? Just making sure that we are who we say we are and that we're "legit"?

[thedryad]

Oh we do have a lot of defaults.

[Bandit127]

And that you don't have big skeletons in your financial closet.

 

Be grateful that they haven't asked you to produce your own credit search. Most people would take the whole printout in to be scanned and stored (probably contravening the Data Protection Act).

[mariner51]

They may well ask for you to provide last 3-6 months bank statement to show you can live within your means & pay rent on time.

[Ubiquitious]

From what I know as Landlords do not share data with the CRA they can only view public things like CCJs/Bankruptcy/Electoral records - things that are published or of a public record.

 

 

I don't think they can see defaults or payment history of accounts.