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?

If this is real dont have a baby until you grow up. Take control of your money, clear your debts,

My daughter had a poor credit history and was unemployed as had a new baby and lived with me following the breakdown of the relationship with the baby's father and them having to give up their flat. She found an ad in a local paper in a few weeks and the landlord asked for a guarantor as she would be in receipt of housing benefit. I declined but the landlord still agreed to meet with her. I arrived shortly afterwards and spoke with him. He explained that after meeting with my daughter he was happy to rent to her without me as a guarantor and she moved in a few days later. She did everything in her power to sort the housing benefit asap and the landlord was really pleased. Five years on she's still happily there, now working, has a great relationship with the landlord and has always paid her rent on time and kept the place spotless. I'm telling you this because there was no way she would have got a lease going through the usual channels at the time ie property agents. Her little baby was a premmie and only just home from hospital. He had extra needs, she wouldn't be working for some time and had no one who would agree to be a guarantor ( I was afraid the vile bf would come back on the scene) If she could do it you can

I'm 22 and have a bad credit rating too, but no ccj's just missed and late payments. I managed to ring some of the company's have have the late payments removed from my credit rating. But even then when we went for our mortgage I couldn't get on it with my OH so he had to do it in his name alone and i just pay him my half of the mortgage and bills. So if I can't get a property with a rough credit rating you probably won't stand a chance
Wait it out and get your credit in order, you'll feel better for it in the long run! Good luck, happy home hunting!

I am a Landlord but would not let to a person with your credit history. I might someone with 1 ccj if they had subsequently cleared the debt and had a job. You should not be thinking about having a baby with no accommodation. It is irresponsible.

You want a nice 2 bedroomed flat? So do a lot of people. You need to manage your expectations. You have somewhere to live, you're not homeless. Stay where you are and clear your debts. Forget about having a baby just yet, you've got loads of time for creating a family. Once your debts are paid off, then you can look at renting a nice 2 bedroomed flat and having a child.

I'm on a debt management plan through stepchange.
I pay £200 and they pay it towards the creditors.
My ccjs/defaults happened after I lost my job and couldn't keep up with repayments.
Missed one payment then the next months payment was double etc
It just snowballed from there.
I didn't specifically go out and get debt.
They aren't huge debts either
All under £1000

My boyfriend is a self employed painter and decorator but I do want stability and if we split I would have nothing.

Sorry- I k ow this isn't what you want to hear- but you need to sort out your financials before adding a flat and a baby into the equation. I understand you want a child- but currently you are a poor prospect. Can your partner help pay the debts of quicker? Can you just accept a frugal/miserable year and pay everything out and down? You're only thirty. To put yourself in even bigger debt by having a child makes no sense to me I'm afraid.

I can't even get a mobile contract.
That's in my dads name.
It's all a massive struggle

I wouldn't ask him to pay them off tbh
They are mine so il pay them and they are going down slowly but surely.

Would a housing association do a credit check too?

And again- sorry- but to be in the same sentence wanting stability and then contemplating what to do when you break up with your partner also indicates an unreadyness. Pay your debts back faster. Then decide where your relationship is going.

^I can't even get a mobile contract.
That's in my dads name.
It's all a massive struggle^

Diddums. That's what happens when you rack up debts. My teenager uses GiffGaff and it works perfectly fine, she pays for it herself with her wages from little job. If you want a baby these days you had better be able to afford it off your own backs because the government is no longer funding a gravy train for having them.

No. The HA wouldn't require a credit check, but probably won't offer you anything until the twins are born.

Would a housing association do a credit check too?

Depending on the HA, yep. This has to be a pisstake. No one is this entitled.

We found our home on open rent, we both have poor credit history and were turned down by letting agents based on this, so we found a private landlord. We have poor credit but have never ever had issues paying rent, we were with our previous landlord for 12 years and always paid in full and on time, I think this helps. It was very worrying at the time so I understand what you re going through, good luck!!

Why would you even consider a baby with your finances in the state that they're in?

@Theyprobablywill

I know is hard living with a parent but see it as an opportunity to rebuild your credit and save some money.
If you have a decent deposit the agents would see your application more seriously.
I'm a landlord and we have some tenants that were made bankrupt after their factory burned down.
They offer us 2 months deposit and the month in advance. They have been amazing. They've in our property for 15 years now.
Good luck and don't get too upset just try to buy your time.
Maybe you can house share?

I’m sorry but there is like no excuse for that many ccj’s. You would of been harassed by a debt collection agency after defaulting for many months, or the original creditor harrasing. You would of had chance after chance to set up any type of payment plan (£5/£10 a month) or enter a debt program all the way up until court actually issued the ccj’s and even while in court you could of made an offer.

If you can’t get a mobile phone nobody ever in their right mind is going to rent a whole house or flat to you. The local council likely won’t help you as your houses and technically can’t rent due to your debt which could class as intentional like rent arrears.

You actually need to get with the real world, what you want and what you can have are too separate things, you are unemployed your OH is self employed.

You mention phone contract you can get guess what you don't need it, you want a two bedroom flat why you ain't had this child yet.

Sort yourself a out financially before bringing a child into this world.

Best option is to get pregnant as soon as you can. Then when you've had the baby, get your Mum to evict you on the basis the house is overcrowded. You'll get a nice council house then for sure.

I have a property that I rent out and this credit record would see me turning you down. The fact is that a landlord can't be expected to carry you if you stop paying. You stop paying the landlord can't pay the mortgage and then easily could lose the house because the tenants refuse to pay. I think you should not have kids yet and work on clearing your debts and building up some savings and a better credit file until then no one will let you through the door.

Serious pisstake. Even a nice 2 bed flat would do Lol!