Me and my husband currently live in a one bed house. We are both in our early thirties, both have full time long term secure employment with a joint take home salary of £70k in the South East of England. We have been living together in rented property for the last 3 years and both of us have perfect rental history for around 10 years each in total and have been really good tenants. We decided that we wanted to find a bigger property as we want to start thinking about a family. Now, unfortunalty I do not have a great credit history (credit card debts from a previous abusive relationship taken out in my name) and recently found out that I have a CCJ on my account for a relatively small amount, my husbands credit score is excellent and we have no finacial conections in that respect. So we thought, same as has been the case before, that getting a property would not be a problem and worst case we have a garentor. Turns out we where wrong.
We found a property and advised the letting agent of the credit issue before doing anything further, we found a property and put down a holding fee. Independant credit checks where carried out on both of us, mine came back as a failure, no suprise there, what did come as a shock was that my partners credit check came back as a failure too! When the letting agent informed us, my husband downloaded his credit report off from all three major credit agencies and emailed them over to the letting agent. They looked into the system and it turns out that, If one person fails in a credit check the system fails them both, however, all other checks came back perfect and the letting agent armed with the correct info to pass on to the Landlord did not see a problem. We passed the affordability just on my husbands salary alone, his credit was perfect and we have a garentor if need be. It was left with the landlord and we had to wait.
A week later the landlord came back to the letting agent to state that she was not willing to let the property as she had been told that people with bad credit ratings must be in debt and are unlikely to pay the rent!.. Now I know she does not know me but I could not help but take this personally. Even if creditors choose to take my whole salary each month, my partners salary alone would pass the affordability and we had the backing of a garentor if need be.
We have decided to stay a little longer in our current property, but to be honest I am worried!It is far to small for children we work hard, earn good money and have never defaulted on rent. The letting agent advised that he would contact us if any thing came up as they have a number of landlords with multiple properties who are not worried about credit checks.
All I want is a nice home that I can have a family with enough space for them in a reasonable street or area, we have worked so hard and struggled all our lives to get somewhere and I am honestly concearned that if my current landlord asked us to leave we would end up on the street, or in some slum house that has been neglected by the landlord in a bad area. We can afford to pay our way in life so why should we end up like this. It also concearns me that more and more properties in the south east seem to be being let for professional couples and stating no children. i even saw one avertised as a lovely family 3 bed home in a lovely community, then go on to state, no Children! My concearn is that once a child comes along it will be even harder to secure a property. I really dont know what to do and am genuinely conceared.