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Credit checks

(5 Posts)
ameliasmummy16 Tue 17-Jan-17 22:31:17

Hi xx

Was wondering if snyone knew what letting agents can see on a credit check when renting a home? Ive heard its just 'public' info but i have no clue what this means.

Does anyone know what they can see and what score is acceptable. Im not in debt im just worried as it is my first home.

whyohwhy000 Tue 17-Jan-17 22:37:40

Have you had any credit cards, loans, direct debits etc?

Even simple things like money going into your bank account can improve your score?

If you've repaid everything on time and have a reasonable credit history (in terms of length) I wouldn't worry.

Can a letting agent see my report?

Paddybare Tue 17-Jan-17 22:56:38

The only things they can see are CCJs and bankruptcies. They can't see details of outstanding debt, payment history, account details etc.

This may change in the future but for now the more detailed information isn't available for a tenant credit check.

ameliasmummy16 Tue 17-Jan-17 23:05:04

I have had payday loans but always paid them. Just worries me x

ameliasmummy16 Tue 17-Jan-17 23:06:55

Thankyou x is that all they see wow it sounds worse than it is

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