Any estate agents out there? credit checks??? i need advise

[onlyme26]

hi guys, i know im posting this is the wrong catergory but had no idea where to post!

basically i need to know... is there only type of credit check?

what i mean is..... on boxing day i went to get a sofa, i applied for credit it got declined, i bought it with my savings in the end, anyway i only seem to beable to get credit with my bank, which is great, but store cards, catalouges or anything else are a no go, im not bothered as i dont use them or want them but,,,,,,

i need to move out in the next 6 weeks as some of you know my 2nd child is on the way, money isnt a problem and deposit all sorted, so i was all excited looking around at houses, then the guy says we will need to run a credit check????? this takes a week to go through, worst thing is it costs over �100 and you dont get it back if you fail it?
will i fail it???? im not actually getting anything on credit, so what are they checking for?????
i know i have a bad credit record when it comes to store cards etc but is this the same check?

any advise be great, i cant stay here there is no room for baby!!! :o(

[onlyme26]

also can i just offer a guarantor?

my dad buys and rents property, i am renting off him at the moment ( pitty he doesnt have a 3 bed house lol)
but he is more then willing to be a guarantor for me, so will they except that? and skip the credit check on me and just do one for him????

[gossipgirl]

have you tried obtaining your credit report from credit expert. co.uk,, you have a 30 day free trail. I had the same problem as yourself and was getting turned down for credit all over the place so i went onto credit expert for my report and was shocked to find that there was all sorts of things on my name ie catalouges and cards [that i never applied for] all in arrears therefore my credit score was bad hence my refusals. Give them a go.

[joannewatson]

If you have a lot of bad credit you need to make them aware of it as they will probably do a credit check whether you offer a guarantor or not. I work for a property management company and we accept people with bad credit if they have a good guarantor.