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My partner went bankrupt in 2009, is this going to be a problem for us to be able to rent a house?

He is in full time self employed work and earns a good wage now, would like to know what problems we would come up against?

Asked on Mar 27 2013, Renting in Maidstone | Report content

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  • Bankruptcy generally lasts for one year, during which time the debtor is known as an undischarged bankrupt. The bankruptcy will, however, be noted on your credit file for six years, if your partner is in employment i wouldnt see a problem with renting now.

    Answered on Mar 27 2013, Report content
  • Hi abi4444, It would depend entirely on which letting agent you choose to rent through. When it comes to the application process, many will carry out a credit check, but there will be others which don't. If it comes to it and one is carried out, there will of course be a possibility that being bankrupt causes an issue. However, you can work around this by providing other assurances. For example, if you have proof of your husband's income and employment, this should stand you in good stead. In addition to this, you can provide a guarantor's note, which can help to give the agent an increased confidence in signing a tenancy agreement with you. So, as mentioned above, the fact that you have previously had issues should not necessarily mean that you are excluded from renting. You may simply have to work around some issues and iron them out first of all. Many thanks, Scott

    Answered on Mar 28 2013, Report content

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