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Renting flat with little credit history.

I am looking to rent a flat but I have only ever had one contract phone no bills going out in my name and have had no credit cards. I have been paying my brother 90 pound a week to stay at his flat but I need my own place can anyone help? Please and thank you.

Asked on Jul 26 2016, Renting in Stockport | Report content

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  • A guarantor would help if you have one. Otherwise look for a private let where credit checks aren’t usually made. - Jonathan :-)

    Answered on Aug 9 2016, Report content
  • Find out your own personal credit worthiness by looking at your credit file on Clearscore.com or Noddle.co.uk for free for life. That way you will see what landlords and estate agents will see and you can take steps to improve your credit score for the future. As a breed landlords and their agents are very risk-averse and only prefer to rent to solvent responsible adults who are not going to default on rent or damage their asset. People with good credit want to protect their record and so make sure they do not default. Also I suggest you offer to pay your rent via creditladder.co.uk this will bolster your record as you pay your rent over a year. If you are not visible by the credit reference agencies then get a credit card and use it carefully over 6 months to build up a good repayment history no matter how small ( one coffee a week for instance). Other references, employer, prev landlord ( not yr brother) salary and bank statements are all looked at with yr credit history to indicate if you are likely to be a good tenant or a rogue. I will not rent to anyone with a dodgy history, there are plenty of good tenants out there, I dont want the risk or the resultant hassle. Hope this helps. Use the tools out there to help you.

    Answered on Sep 2 2016, Report content

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