Homeless because of bad credit?

[pinnjnnn]

I can't find anywhere that will rent me a house as I have bad credit and fail the credit checks
I work but my credit history is bad.
Nobody I know owns property so can't be a guarantor
What am I meant to do?
I'm gonna have no where to live
Can these letting agents do this?

About 16 months I think.
I pay one lump payment to the dma and they pay the creditors.
I need to ask for a updated statement

This is a long thread with a pretty simple 2 choices.

Choice one: move out imminently. Tenancy would have to be in DP's name (possibly could be joint if with HA), get by but struggle and continue to be in a relatively bad situation debt wise. Also bare in mind that your partner is self-employed. My DP is also self-employed and I know how many factors can mean that he is unable to work and I've been in a situation where that has happened and it was financially a very very difficult time for us. It's something you have to be very aware of with a self-employed partner. The las thing you want is to end up not being able to cover the rent because he can't work and then ending up being kicked out possibly pregnant or with a baby!

Choice two: stay at home for a while before moving out. Use all spare income to clear a much of debts (ideally all) as possible. Move out in a better financial state. Debts are gone/significantly reduced so £200 more in the household income. Much more stable home life.

Honestly choice 2 is by far the more sensible option but you're wanting to go with choice 1 because you're impatient about getting your own place and starting independently. I get the desire I really do but honestly you could end up in a worse financial position than you're in now and then what? What for you and what for your children if you have them?

I'm beginning to think this can't be real.

As someone just said there's not much wait for h/a in Middlesbrough so I doubt it would be temp accommodation.

A flat share wouldn't be right for me and my boyfriend plus the rent would probably be the same or more than £325 a month.
I'm not keep repeating myself.

Do you know that area of Middlesbrough?! It’s awful.

I can afford to rent with my boyfriend ..that isn't the issue.
The issue is my credit file.

Well go ahead and find out, but don't start with your moaning again if they stick you in a bedsit rather then the nice two bed you think you should be entitled to!

I'm a few mile from the area now.
It isn't the best but I think there's worse Areas around here.

Then sort your chuffing credit file.

Don’t expect a landlord to give you a chance. On paper you’re a liability.

I wouldn't be comfortable living with strangers.

I wouldn't be having a child in a flatshare

OP, I earn more than 4 times your salary and wouldn't dream of spending £200/£250 a month on a car.

In the nicest way, you need to start budgeting better. Clear that debt. Get a nest egg. Don't bring kids into this hole, it'll on make it worse

Definitely a troll. I’m reporting this.

Report what you like.
I came here for advice not to be judged

We can afford not to flatshare so why would we?

That’s bollocks OP. You haven’t come for advice at all.

Your original question was can letting agents reject you and the short answer is yes, with very good reason. Time to look at other options or stay at home.

Just to add to others' comments - the house you posted (which is the cheapest on the books for the number of bedrooms) costs £325 pcm, but the letting fees are in the region of £225 and the deposit is 1.5 times the rent so £487 which is £700 you are going to have to find up front. Then it's unfurnished, so you are going to have to fork it for furniture and even the very minimum (bed, chair, saucepan, plates etc) is going to be a considerable outlay, and I'm not convinced that you would be able to stick to the absolute minimum. Council tax in the area for band A is £117 pcm, and the house is in energy band E so particularly if we have a bad winter you may well end up paying around £120 pcm (annualised) just for gas and electricity. (For comparison we pay £80 pcm in our 2 bedroom flat which is always cold, but we're not on prepayment meters which is where you may well end up). Contents insurance could easily be between £20-£40 pcm depending on the local area (haven't had time to run it through a comparator). That's before you add in costs of clearing your debts, running your car, car finance, mobile phone etc. This is why people are saying that the sooner you clear your debts the better 1) because it makes you look better to landlords willing to take a punt and 2) because once they're cleared you can be saving that money for other expenses.