{"id":26868,"date":"2024-05-06T11:58:54","date_gmt":"2024-05-06T11:58:54","guid":{"rendered":"https:\/\/www.lendingstream.co.uk\/blog\/?p=26868"},"modified":"2024-05-06T11:58:56","modified_gmt":"2024-05-06T11:58:56","slug":"how-to-rent-a-house-with-bad-credit","status":"publish","type":"post","link":"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/","title":{"rendered":"How To Rent a House with Bad Credit in UK?"},"content":{"rendered":"\n<p>So, you\u2019ve found a great house or flat to rent, but you\u2019re worried about your <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/bad-credit-score\/\" data-type=\"URL\" data-id=\"https:\/\/www.lendingstream.co.uk\/blog\/bad-credit-score\/\"><strong>bad credit<\/strong><\/a> affecting your rental application. This can seem like a tricky situation, but it\u2019s not as difficult as you might think.<\/p>\n\n\n\n<p>In this blog post, we\u2019ll walk you through the process of <strong>renting a house with bad credit in the UK<\/strong>. And we\u2019ll provide tips on how to improve your chances of being approved for a rental property.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f2835d831db\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f2835d831db\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#can_i_rent_with_bad_credit\" >Can I Rent with Bad&nbsp;Credit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#what_credit_score_do_i_need_to_rent_a_house_in_uk\" >What Credit Score do I Need to Rent a House in&nbsp;UK?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#why_do_landlords_do_a_credit_check_on_tenants\" >Why do Landlords do a Credit Check on&nbsp;Tenants?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#what_exactly_do_landlords_look_for_with_the_credit_check\" >What Exactly do Landlords Look&nbsp;for with the Credit Check?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#can_i_rent_a_flat_with_a_county_court_judgement_ccj\" >Can I Rent a Flat with a&nbsp;County Court Judgement (CCJ)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#how_to_rent_with_bad_credit_and_no_guarantor\" >How to Rent with Bad Credit and No Guarantor?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#tips_to_renting_with_bad_credit\" >Tips to Renting with Bad&nbsp;Credit<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#1_improve_your_credit_score\" >1. Improve Your Credit&nbsp;Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#2_look_for_a_guarantor\" >2. Look for a Guarantor<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#3_look_for_a_private_landlord\" >3. Look for a Private&nbsp;Landlord<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#4_offer_a_big_deposit\" >4. Offer a Big&nbsp;Deposit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#5_be_honest_and_explain_your_situation\" >5. Be Honest and Explain your Situation<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#final_words\" >Final Words<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#faqs_about_renting_with_bad_credit\" >FAQs About Renting with Bad&nbsp;Credit<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#what_is_the_minimum_credit_score_needed_to_rent_a_flat_or_house\" >What is the Minimum Credit Score Needed to Rent a Flat or House?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#how_can_i_improve_my_credit_score_to_rent_an_apartment\" >How Can I Improve my Credit Score to Rent an Apartment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#can_i_rent_with_bad_credit_and_no_job\" >Can I Rent with Bad Credit and No\u00a0Job?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#do_landlords_check_credit_for_every_applicant\" >Do Landlords Check Credit for Every Applicant?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-rent-a-house-with-bad-credit\/#can_i_rent_an_apartment_with_a_co-signer\" >Can I Rent an Apartment with a Co-Signer?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"can-i-rent-with-bad-credit\"><span class=\"ez-toc-section\" id=\"can_i_rent_with_bad_credit\"><\/span><strong>Can I Rent with Bad&nbsp;Credit?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Yes, you can rent a property if you have bad credit.<\/strong> It\u2019s just a bit harder than if you had <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-is-a-good-credit-score-uk\/\" data-type=\"URL\" data-id=\"https:\/\/www.lendingstream.co.uk\/blog\/what-is-a-good-credit-score-uk\/\"><strong>good credit<\/strong><\/a>.<\/p>\n\n\n\n<p>Landlords will do a <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/credit-check\/\" data-type=\"URL\" data-id=\"https:\/\/www.lendingstream.co.uk\/blog\/credit-check\/\"><strong>credit check<\/strong><\/a> to help them decide whether to approve your rental application. If you have bad credit, the table below shows you what you can do to help.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>What can help<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Why it can help<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Pay a higher deposit or pay your rent upfront.<\/td><td class=\"has-text-align-center\" data-align=\"center\">If you can afford it, this will help reassure the landlord that you\u2019ll be a good tenant.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Get a guarantor.<\/td><td class=\"has-text-align-center\" data-align=\"center\">This involves getting someone you know to guarantee that the rent will be paid. If you don\u2019t pay it, they\u2019ll be responsible for it. A guarantor gives the landlord confidence that the rent will be paid.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Go directly to a private landlord.<\/td><td class=\"has-text-align-center\" data-align=\"center\">Private landlords are less likely to do a credit check because it costs money for them to do one.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-credit-score-do-i-need-to-rent-a-house-in-uk\"><span class=\"ez-toc-section\" id=\"what_credit_score_do_i_need_to_rent_a_house_in_uk\"><\/span><strong>What Credit Score do I Need to Rent a House in&nbsp;UK?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There\u2019s no set credit score required to rent a house in the UK. Landlords don\u2019t tend to use your credit score when assessing if you\u2019re likely to be a good tenant. Instead, they look to see if you\u2019ve had any major problems paying for things in the past.<\/p>\n\n\n\n<p>But your <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-is-the-average-credit-score-in-the-uk\/\"><strong>credit score<\/strong><\/a> does tell you how good or bad your credit file is. If you don\u2019t know whether you\u2019ve got a bad credit score, then check it. It\u2019s worth doing this before you submit your information to a landlord.<\/p>\n\n\n\n<p>There are three main credit reference agencies in the UK. You can check your credit score with them for free.&nbsp;They are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/experian\/\" target=\"_blank\" data-type=\"URL\" data-id=\"https:\/\/www.lendingstream.co.uk\/blog\/experian\/\" rel=\"noreferrer noopener\">Experian<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/\" target=\"_blank\" data-type=\"URL\" data-id=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/\" rel=\"noreferrer noopener\">Equifax<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/\" target=\"_blank\" data-type=\"URL\" data-id=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/\" rel=\"noreferrer noopener\">TransUnion<\/a><\/strong><\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-improve-your-credit-score-in-30-days\/\"><strong>If your credit score is poor, try to improve it<\/strong><\/a>. The better your credit file, the better your chances of renting the home you want.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why-do-landlords-do-a-credit-check-on-tenants\"><span class=\"ez-toc-section\" id=\"why_do_landlords_do_a_credit_check_on_tenants\"><\/span><strong>Why do Landlords do a Credit Check on&nbsp;Tenants?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Landlords do a credit check on tenants to get an idea of their financial history. They rely on the rent as part of their income, so they want to know that you\u2019ll be able to pay it in full and on time. Remember though, they have to get your permission before they do any credit checks.<\/p>\n\n\n\n<p>If you have bad credit, all is not lost. We\u2019ve all fallen on bad times at some point or other. Here are some things you can do to help when you know the landlord is going to do a credit check.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Explain to your landlord what\u2019s happened in the past and what you\u2019re doing about it.<\/li>\n\n\n\n<li>Ask the landlord if there\u2019s anything else you can do. Perhaps you could offer to make rental payments upfront or provide extra documentation.<\/li>\n\n\n\n<li>Be willing to give the landlord all the information they ask for. And be prompt when supplying it.<\/li>\n\n\n\n<li>Behave in a professional manner. You\u2019ll create a good impression and it\u2019ll help to show that you\u2019re reliable.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-exactly-do-landlords-look-for-with-the-credit-check\"><span class=\"ez-toc-section\" id=\"what_exactly_do_landlords_look_for_with_the_credit_check\"><\/span><strong>What Exactly do Landlords Look&nbsp;for with the Credit Check?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>In general, landlords do a credit check to look for 3 things:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\" style=\"list-style-type:1\">\n<li>To verify who you are.<\/li>\n\n\n\n<li>To check that you have no adverse information on there. This could be <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-is-a-ccj\/\" data-type=\"URL\" data-id=\"https:\/\/www.lendingstream.co.uk\/blog\/what-is-a-ccj\/\"><strong>County Court Judgements<\/strong><\/a> (CCJs) or <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-happens-when-you-declare-bankruptcy\/\"><strong>bankruptcies<\/strong><\/a>.<\/li>\n\n\n\n<li>To see if your address history shows you as being a stable, reliable tenant.<\/li>\n<\/ol>\n\n\n\n<p>If you have a good credit and rental history, you\u2019re likely to have your rent application approved. If you haven\u2019t, it\u2019ll be more difficult to get approved. Take the time to improve your credit score and rent payment history before applying for a new rental.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"can-i-rent-a-flat-with-a-county-court-judgement-ccj\"><span class=\"ez-toc-section\" id=\"can_i_rent_a_flat_with_a_county_court_judgement_ccj\"><\/span><strong>Can I Rent a Flat with a&nbsp;County Court Judgement (CCJ)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A CCJ is a court order requiring you to repay unpaid debt. If you have a CCJ against your name, it can make it difficult for you to rent a house. Landlords want good tenants, which makes them reluctant to rent to people with financial difficulties.<\/p>\n\n\n\n<p><strong>However, it is possible to rent a flat with a CCJ if you can do these things:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\" style=\"list-style-type:1\">\n<li>You can provide some extra information to the landlord that shows you\u2019ve been reliable since the CCJ.<\/li>\n\n\n\n<li>You can show that you\u2019re making regular payments on the debt.<\/li>\n\n\n\n<li>You can provide a guarantor.<\/li>\n<\/ol>\n\n\n\n<p>If you\u2019re able to do these things, then you should be able to find a landlord who\u2019s willing to rent to you. Even if you do have a CCJ.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-rent-with-bad-credit-and-no-guarantor\"><span class=\"ez-toc-section\" id=\"how_to_rent_with_bad_credit_and_no_guarantor\"><\/span><strong>How to Rent with Bad Credit and No Guarantor?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It can be difficult to rent with bad credit and no guarantor, but it\u2019s not impossible. There are a few things that you can do to increase your chances of getting the property you want to rent.<\/p>\n\n\n\n<p><strong>Here are some guidelines.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Explain any County Court Judgements (CCJ) or bankruptcies that may be on your credit file.<\/li>\n\n\n\n<li>Provide a good reference from a previous landlord.<\/li>\n\n\n\n<li>Show any payslips that verify your earnings to show you can afford the rent. And be willing to give them any extra information they ask for.<\/li>\n\n\n\n<li>Rent a room in a shared house. As shared houses already have tenancies running, they\u2019re unlikely to do a credit check on you. So, having bad credit won\u2019t matter.<\/li>\n<\/ul>\n\n\n\n<p>Doing these things can increase your chances of being approved to rent a house or flat. Even with bad credit and no guarantor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tips-to-renting-with-bad-credit\"><span class=\"ez-toc-section\" id=\"tips_to_renting_with_bad_credit\"><\/span><strong>Tips to Renting with Bad&nbsp;Credit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Here are a few things that you can do to improve your chances of being able to rent a property if you have bad credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-improve-your-credit-score\"><span class=\"ez-toc-section\" id=\"1_improve_your_credit_score\"><\/span><strong>1. Improve Your Credit&nbsp;Score<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The first step to take when you have bad credit is to improve your credit file. This can be done by following these guidelines.<\/p>\n\n\n\n<ol class=\"wp-block-list\" style=\"list-style-type:1\">\n<li>Pay your bills on time. Any unpaid debts that lead to CCJs or bankruptcies will hurt your credit file. This will make it harder to rent the property you want.<\/li>\n\n\n\n<li>Build your credit history. If you don\u2019t have much of a credit history, work on creating one. Consider taking out a credit builder credit card and you\u2019ll soon start building a good credit file.<\/li>\n\n\n\n<li>Check you\u2019re on the electoral roll. Being registered to vote shows you\u2019re responsible. It also shows stability at previous addresses, and it helps landlords verify you.<\/li>\n\n\n\n<li>Put your name on some household bills and pay them on time.<\/li>\n<\/ol>\n\n\n\n<p>By taking these steps, you can <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/improve-your-credit-score\/\"><strong>improve your credit score<\/strong><\/a>. Having a good credit file will make it easier to rent the house, flat or apartment that you want.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-look-for-a-guarantor\"><span class=\"ez-toc-section\" id=\"2_look_for_a_guarantor\"><\/span><strong>2. Look for a Guarantor<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A guarantor is someone who agrees to take on financial responsibility for the rent if you can\u2019t pay. A guarantor can be a family member or close friend who has good credit. They have to be able to afford to make the monthly rental payments if you\u2019re unable to.<\/p>\n\n\n\n<p>Having a guarantor can help you get approved for a rental if you\u2019ve got bad credit. But remember that you\u2019re still responsible for making sure the rent is paid on time each month.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-look-for-a-private-landlord\"><span class=\"ez-toc-section\" id=\"3_look_for_a_private_landlord\"><\/span><strong>3. Look for a Private&nbsp;Landlord<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Unlike big letting agencies, private landlords are more likely to be willing to work with you if you have bad credit. They may just do a background check instead of a credit check. Or they may be willing to accept a higher deposit from you.<\/p>\n\n\n\n<p>If you want to find a private landlord here\u2019s how you can find one.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Searching online listings like OpenRent or Gumtree. These websites list properties that are available to rent by private landlords.<\/li>\n\n\n\n<li>Ask friends and family if they know of anyone who has a place to rent.<\/li>\n\n\n\n<li>Consider a flat or house share or renting a room in an existing shared property. Spareroom is a good place to start looking for shared accommodation.<\/li>\n<\/ul>\n\n\n\n<p>Make sure you ask the landlord any questions you have, and view the room, flat or house before you decide. Find out what their policy is on credit checks too before you start filling out any applications.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-offer-a-big-deposit\"><span class=\"ez-toc-section\" id=\"4_offer_a_big_deposit\"><\/span><strong>4. Offer a Big&nbsp;Deposit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Offering to increase the amount of money you\u2019re willing to put down as a deposit is a good idea. It helps to show landlords that you\u2019re serious about taking on the property responsibly.<\/p>\n\n\n\n<p>It\u2019s not guaranteed that offering a bigger deposit will always counteract bad credit. But it\u2019s certainly worth trying if you\u2019re having difficulty finding a place to rent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"5-be-honest-and-explain-your-situation\"><span class=\"ez-toc-section\" id=\"5_be_honest_and_explain_your_situation\"><\/span><strong>5. Be Honest and Explain your Situation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Being honest and explaining your situation is the best course of action when you have bad credit. You want to be upfront with a potential landlord about your situation. That way they\u2019ll see you can be trusted as you\u2019ve got nothing to hide.<\/p>\n\n\n\n<p>You should also be prepared to explain why you have bad credit. Tell them what you\u2019ve done to improve your credit score. Landlords are more likely to rent to people with bad credit who\u2019ve been proactive in trying to improve their credit score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"final-words\"><span class=\"ez-toc-section\" id=\"final_words\"><\/span><strong>Final Words<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Having bad credit when you want to rent a house or flat shouldn\u2019t hold you back. There are still things that you can do to increase your chances of being approved for a rental property.<\/p>\n\n\n\n<p>By following the tips in this article, you should be able to find a place to rent even if you have bad credit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faqs-about-renting-with-bad-credit\"><span class=\"ez-toc-section\" id=\"faqs_about_renting_with_bad_credit\"><\/span><strong>FAQs About Renting with Bad&nbsp;Credit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1671017970365\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"what_is_the_minimum_credit_score_needed_to_rent_a_flat_or_house\"><\/span><strong>What is the Minimum Credit Score Needed to Rent a Flat or House?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>There is no set minimum credit score needed to rent a property. However, a good credit score will increase your chances of being approved for a lease.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1671018001992\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"how_can_i_improve_my_credit_score_to_rent_an_apartment\"><\/span><strong>How Can I Improve my Credit Score to Rent an Apartment?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can improve your credit score by:<br \/>1. Paying your bills on time<br \/>2. Maintaining a good credit history<br \/>3. Checking your details on your credit file are up to date and accurate.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1671018034424\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"can_i_rent_with_bad_credit_and_no_job\"><\/span><strong>Can I Rent with Bad Credit and No\u00a0Job?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>There\u2019s no easy answer when it comes to getting an apartment with bad credit and no job. It is possible to find landlords who are willing to rent to people who are on government benefits. But you\u2019re likely to find it hard to get an apartment that meets your needs and budget.<br \/>With bad credit and no job, you\u2019ll need to do your research first. You may be required to put down a larger deposit or pay rent in advance. And be prepared to explain your financial situation to your future landlord.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1671018060577\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"do_landlords_check_credit_for_every_applicant\"><\/span><strong>Do Landlords Check Credit for Every Applicant?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Not all landlords do a credit check for every applicant. However, most landlords will run a background check when renting their property. That\u2019s why, if you have bad credit, you may want to be upfront about it. It\u2019ll be worth explaining what you\u2019re doing about repairing it.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1671018087544\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"can_i_rent_an_apartment_with_a_co-signer\"><\/span><strong>Can I Rent an Apartment with a Co-Signer?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, you\u2019re usually more likely to get an apartment with a co-signer if you have bad credit. A co-signer is someone who agrees to be responsible for your rent payments if you can\u2019t make them.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><strong>Disclaimer: <\/strong>We are not providing financial advice. These are just tips for informational purposes. Also, we are not affiliated to any of the external parties linked here, they are provided for reference only.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>So, you\u2019ve found a great house or flat to rent, but you\u2019re worried about your bad credit affecting your rental application. This can seem like a tricky situation, but it\u2019s not as difficult as you might think. In this blog post, we\u2019ll walk you through the process of renting a house with bad credit in [&hellip;]<\/p>\n","protected":false},"author":48,"featured_media":26871,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[139],"tags":[],"class_list":["post-26868","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money"],"_links":{"self":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/26868"}],"collection":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/users\/48"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/comments?post=26868"}],"version-history":[{"count":7,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/26868\/revisions"}],"predecessor-version":[{"id":27962,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/26868\/revisions\/27962"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/media\/26871"}],"wp:attachment":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/media?parent=26868"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/categories?post=26868"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/tags?post=26868"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}