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Renting with poor credit.

I'm looking to rent for the first time, but I know I have very low credit scoring. I don't get credit cards/loans etc. but I actually earn very well, have a full time job, which I have had for 8 years, same company etc. What are my chances of actually getting a property to rent without paying for months in advance, which I don't have...Thanks everyone!

Asked on Feb 3 2010, Renting in Gillingham | Report content

Answers (3)

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  • Hi - you could try to get someone (friend or relative) to act as guarantor for you. Do you know someone who will pay six months up front? You could also pay for the Landlord to take out rental insurance in case you get into trouble. More than anything, I suggest you work out a very strict budget for yourself and don't overstretch. Talk to a very understanding Lettings Agent and they will do their best for you - don't be put off, there are some really nice ones out there!

    Answered on Feb 4 2010, Report content
  • I agree completely with the previous answer.

    Answered on Feb 16 2010, Report content
  • Guarantor is a good option if you have bad credit, Can you provide references from previous landlords, this also shows that you have paid the rent and are realiable. Contact EXPERIAN or similar credit agency to find out why you have bad credit, might be wrong infomation they hold about you. there a credit cards available for people with adverse credit, interest is higher so dont go mad with it. Use it as a tool to improve your credit for the future, if you use it to pay for small things and repay promptly. This way you are proving that you are good with money. Letting agents should look at the whole picture to judge weather you are a good candidate, a higher deposit may also help.

    Answered on Mar 21 2011, Report content

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