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?

Pisstake?

Ask your local council if they have a list of landlords. Mine does, had LLs who accept people on low income and with bad credit who need to private rent.

Yes, letting agents can do this because landlords can. I'd try gumtree and spare room.

Maybe you should get your finances in order before you have a baby. Babies are expensive, you don't want to scrounge for pennies to buy diapers. I would suggest that you should be able to stick to a budget AND save money every month before you can even afford a baby. So I think you should tackle that first so it won't take up more of your time than necessary.

We all want a lot of things, doesn't mean we should have them.

At 30 and no dependants you should have a good amount of savings not debt. Given the defaults, ccjs and the fact you still live at home it would suggest you can't afford a child.

What's your partner's situation? Surely you would get a place together before a baby?

Me and my boyfriend are wanting a baby in the next year as neither of us are getting any younger.

Why not get married and save up and get your finances sorted before procreating? 30 isn't old. Loads of people have to wait because of finances. I'd be sure you both had good jobs and could support a child entirely without benefits because there are now no more tax credits. Every council is now UC for new claims (excepting families with 3 or more children).

It's a bit much to think you're entitled to a house when you have shitty credit. Beggars can't be choosers.

I mean this nicely, but you're not even in the same stratosphere as being homeless.

If you're still living at home, could you afford to save a few months rent as deposit?

If not, how are you going to manage on 1 wage/ pay for childcare?

Try Open Rent. You meet the landlord so can talk to them.

My tenant failed her credit check but I rented to her. She gave extra deposit too.

There are good landlords out there, contrary to what you read here.

And you're not homeless .

If you're desperate your bf could get somewhere in his name and you just move in. Wouldn't recommend it though as he could chuck you out whenever.

You might also stand a better chance if you looked at a smaller property in a not so nice area as the landlord might be more keen. I'm afraid the landlords with 'nice 2 bed flat(s)' have lots more potential tenants and simply don't have to take the gamble (no matter how nice you are).

@neverunderfed I think so.

Plenty of 30 year olds live in shared houses. A ‘nice 2 bed flat’ in your financial situation is an unobtainable luxury. Why can’t you manage your money? Have you had help with any debts you might have? What makes you think you can afford to rent and have a child? Doesn’t sound like you can.

I'm gonna take a wild guess the partner is 'self employed' or also has bad credit. A baby sounds like a terrible idea in your current circs OP.

You arent homeless are you.

How did you get the ccjs?

This seems like some sort of parody of the being able to afford kids thread.

This seems like some sort of parody of the being able to afford kids thread.

Or the 'step mum' one.

Most letting agents will accept you if you have bad credit so long as you have a guarantor. Would your mum or bf parents stand as guarantor for you?

Otherwise they'll normally accept you if you can pay 6 months rent up front. Sorry may have to stay with your parents a bit longer and save up.

You are right - you have made a huge mess. You have CCJ’s and defaults even though you live with your Mum. How on earth could you afford to pay rent or have a child? Sort out your credit issues while staying with your Mum before even considering having a child. What a state you’ve got yourself in, but at least it’s not impacting a child. Small mercy.

The requirements for the referencing company that I work with is that a guarantor doesn’t need to be a homeowner but more than 2 ccjs or 1 or 2 totalling more than £5k means you still won’t pass with a guarantor. It also makes no difference to the referencing if they’re cleared or not. So you may pass once one of them has gone over 6 years. But a landlord may still refuse you, at least the agent can put you forward though.

your thread title is very misleading - you aren't homeless

you WANT something but seem a bit footstompy about not getting it - you have a partner - can he not help? Don't have a baby until your debt is sorted !