Looking For A Property To Rent But Bad Credit Rating

[lala1984]

Hi all

I need to move ASAP but I have a really bad credit rating. My ex used to take out a lot of loans and payday loans either through my name or as me as a guarantor, and has really dropped my rating (My own fault I know).

I've lived with family most of my life therefore can not get references from previous landlords.

My question is where can I find somewhere that will let me rent either without a credit check.

Not many properties on gumtree as they must accept dss.

TIA

[ummmm]

Try looking in your local paper.

[cazzz1975]

Would you be happy to submit a few months worth of bank statements? Lettings agents want to know if you can manage your affairs.

[EvianBaby]

Different letting agents have different rules. The ones I'm with now are majorly strict on criteria but I've been with others who will accept just a few bank statements or a guarantor.

[boxtops]

Look in your local paper for private landlord rents. They will do bank checks but all they needed was a bank reference for me, to prove I could pay monthly.

As well as this - contact someone like Experian and get your own credit check done. This'll show up all the credit your ex racked up in your name. You can then write back to Experian and show that you no longer have an association with that person (as long as you're not still liable for those debts) and they will check with the lender and then remove that from your rating. This worked for me - there were loads of entries on my credit report which had nothing directly to do with me but with my address or previous relationships. If I were you, that's where I'd start.