Renting a private property with very poor credit score
My current house contract has come to an end and my landlady apparently told my current letting agent that she will move back to the house which means I am forced to leave the house. I am currently applying for references for a new house which is rented out by a letting agent. I searched my credit score on Equifax &Equifax and both came up as very poor (256 on one, 126 on the other)as I had a defaulted account back in 2012 which I am now under payment arrangement (only 1-2 months left)- my fault - moved house and did not inform them, thought I did not go overdrawn but apparently did and accumulated money due to overdrawn fee over months and knew nothing till debt collecting agent sent me letter and contacted them to offer repayment straight away. I am however earning 6x more than the rent each month. I wonder what would be best option? Can I offer them the whole rents for the contract period? Whether there is a chance they will accept?
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