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will I be able to rent a house with bad credit score

(9 Posts)
rotool Sun 15-Jul-12 16:25:32

I am trying to get out of an abusive relationship, I have found somewhere to live and have a guarantor and references to confirm my income, credit checks will be done Monday,Tuesday I think but I am panicking and thinking the worst...that I wont pass the checks. If I don't get the house I will have to go to a refuge as he as not been physically violent I can't get him out of the house we own. Does anyone know if I have a good chance of passing the ckecks?

ColouringIn Sun 15-Jul-12 16:33:10

Hi rotool, please don't panic, it should be absolutely fine. Make sure you are up front with the agent about the credit score issues but it should not be a problem. I rented several times after coming out of a very difficult relationship. My exH stopped paying towards loans and I could not do them on my own hence I got a really crap credit rating and a CCJ. I nevcer ever had a problem renting - just told the agent straightaway that they would fiund this and why.

perceptionreality Sun 15-Jul-12 16:34:57

It should be ok but you may need a guarantor (if you have a CCJ)

FermezLaBouche Sun 15-Jul-12 16:41:44

I am in the process of renting somewhere and I have crap credit. I spoke with the agency and they said they really just want to confirm you have a regular income and never miss rent. This was a relief to me as I have some unresolved issues with utility companies.

With guarantors you should be fine. Do you have the deposit/month's rent in advance? These have been the hardest things to cobble together for me.

rotool Sun 15-Jul-12 16:52:26

Hi, thank you.........I am applying for a crisis loan because of my situation but other than that I think my mum will help. I have bank accounts and a mortgage, will this help. I haven't told the letting agent about my credit because I was too embarrassed, do you think I ought to go and see them tomorrow? The land lord is very nice, do you think it's worth going to see her and explaining all this aswell?

FermezLaBouche Sun 15-Jul-12 17:07:35

I would explain if I were you - most places are very understanding. If you're in the North East I can give you the name of the nice people I am in process of renting from?

As I say, I think you will be fine, but it will set your mind at ease to be open with them.

rotool Sun 15-Jul-12 18:02:04

I'm south west. Just keeping everything crossed!!

sincitylover Tue 17-Jul-12 12:34:27

in london and se you may not be able to rent with a CCJ or IVA.

I just lost money because unbeknown to me I had one (due to exh) and the agent said the landlords's rent cover insurance wouldn't cover this.

Bloody insurance industry has alot to answer for.

SabrinaBenSalmi Mon 15-Feb-16 22:49:19

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

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