Estate agents (credit checks)

Discussion in 'General Chatter' started by x-MummyToBe-x, Jan 26, 2011.

  1. x-MummyToBe-x

    x-MummyToBe-x Preggo with #2

    Joined:
    Dec 27, 2008
    Messages:
    3,461
    Likes Received:
    0
    Anyone know of any estate agents that don't do credit checks? been on gumtree but there isn't really much going on there atm.

    Thanks :flower:
     
  2. special_kala

    special_kala love my bugs

    Joined:
    Nov 8, 2008
    Messages:
    21,358
    Likes Received:
    0
    I think they all do
     
  3. Kte

    Kte Mummy to Chloe & Sophie

    Joined:
    Jun 12, 2009
    Messages:
    5,473
    Likes Received:
    0
    They are all going to at some point if your thinking of getting a mortgage though them.

    I'm currently going through a re-mortgage and I will be having to have a credit check for it too.
     
  4. x-MummyToBe-x

    x-MummyToBe-x Preggo with #2

    Joined:
    Dec 27, 2008
    Messages:
    3,461
    Likes Received:
    0
    Looking to rent a property forgot to say that not a mortgage
     
  5. Kte

    Kte Mummy to Chloe & Sophie

    Joined:
    Jun 12, 2009
    Messages:
    5,473
    Likes Received:
    0
    Ah, not sure about renting :flower:
     
  6. Yazz_n_bump

    Yazz_n_bump Me, Fiancé & Jack! :)

    Joined:
    Feb 9, 2010
    Messages:
    3,739
    Likes Received:
    0
    Most do for renting. You can always research online at your local ones and phone up and ask?
     
  7. w8ing4bean

    w8ing4bean Well-Known Member

    Joined:
    Jan 8, 2010
    Messages:
    2,028
    Likes Received:
    0
    heya hun, they do them even if u are renting, but OH says they are not as severe. he rented with a mate before we bought our house, and the pair of them had veeeeerry poor ratings lol. so i wouldnt panic. we then managed to get a mortgage with his rating still not being brilliant xxx
     
  8. Boothh

    Boothh Jesse, Teddy and 4 angels

    Joined:
    Dec 27, 2008
    Messages:
    9,686
    Likes Received:
    4
    your best bet is private or if you can get someone to be a garantor (sp)for you, when we got our house they credit checked me and OH and he had a great credit rating all the rent comes out of his account, but they still checked me mine was crap and i had to get my brother to be my garantor x
     
  9. Mumof42009

    Mumof42009 Mum Of 4 Preemie's

    Joined:
    Feb 25, 2009
    Messages:
    3,650
    Likes Received:
    0
    All agency's check now and if you don't pass they ask for a guarantor I was really luck as this house my parents live next door and they knew my landlady for years xx
     
  10. emsiee

    emsiee Mum of 2

    Joined:
    Feb 19, 2009
    Messages:
    4,726
    Likes Received:
    0
    All of them check, but they arent in depth checks. Just to verify who you are and where you live, like an electoral roll check. Unless you have loads of CCJ`s, I wouldnt worry
     
  11. x-MummyToBe-x

    x-MummyToBe-x Preggo with #2

    Joined:
    Dec 27, 2008
    Messages:
    3,461
    Likes Received:
    0
    Or does anyone know of any sites like gumtree where there are private rentals?
     
  12. xxembobxx

    xxembobxx Well-Known Member

    Joined:
    Jan 18, 2010
    Messages:
    1,723
    Likes Received:
    0
    I would have thought all agents will do a credit check as the landlord can get insurance against you damaging the property if you have been correctly referenced. And they also get to justify their extortionate referencing charging!
    All of my friends who have rented privately has been through word of mouth or in the local paper or shop advertisements.
     
  13. jackiea85

    jackiea85 Mum of 2 boys

    Joined:
    Sep 16, 2008
    Messages:
    2,320
    Likes Received:
    0
    We rent and were told they would do credit checks on us, filled out the forms etc, and then they told us we had passed them fine. When I spoke to our previous landlord, just before moving out, he told us they hadn't even called him for a reference, and they didn't bother calling my husband's work either to check if he really worked there! So they say they do credit checks but I'm not sure exactly how in-depth they are! But it might be worth looking in your local paper too, ours has a page of private rentals near the back xx
     
  14. Mum2b_Claire

    Mum2b_Claire Mummy to Ruby & Scarlett!

    Joined:
    Mar 2, 2009
    Messages:
    16,804
    Likes Received:
    0
    Some agents are less 'fussy' than others. In one flat I lived in with a friend, they accepted her even though she didn't even have a bank account and only a cash in hand job so no pay slips etc.
     
  15. emsiee

    emsiee Mum of 2

    Joined:
    Feb 19, 2009
    Messages:
    4,726
    Likes Received:
    0
    Houseladder.co.uk
     
  16. foxyroxie

    foxyroxie Well-Known Member

    Joined:
    May 11, 2008
    Messages:
    2,354
    Likes Received:
    0

Share This Page

  1. This site uses cookies to help personalise content, tailor your experience and to keep you logged in if you register.
    By continuing to use this site, you are consenting to our use of cookies.
    Dismiss Notice