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Hi, my partner and I are looking to rent a property shortly. I am aware that estate agents run credit checks and was wondering if anyone knows about the information that they have access to. I have an excellent credit score -999, no CCjs,late payments etc but i do have quite a lot of credit card debt and was wondering if this would go against me. I have read that they do not have access to how much debt you have in terms of what is on your credit cards and that it is more about bankruptcy and CCjs but if someone could provide any information on this it would be really helpful.
Having debt isn't bad, as such, it's how you handle the debt.
IME, my letting agent told me it is just to see if you are bankrupt or have CCJ's, other debt I dont think is really taken into consideration (otherwise I wouldn't be living where I am now ).