Updated October 2026
In short: Most landlords and agents run some kind of credit or reference check, but a poor credit history doesn't automatically rule you out. Landlords mainly want confidence that rent will be paid. A guarantor, a strong landlord reference, proof of steady income or a lodging arrangement can all help. Since May 2026, landlords can't ask for more than one month's rent in advance to offset risk.
| Option | How it helps | Things to know |
|---|---|---|
| UK guarantor | Someone with good credit guarantees the rent | Guarantor will be credit-checked instead |
| Guarantor company | A paid service acts as guarantor | Fees apply; eligibility varies |
| Lodging or rent-a-room | Resident landlords often do lighter checks | Fewer tenancy rights |
| Strong landlord reference | Shows you paid rent on time before | Ask past landlords in advance |
| Council deposit or bond scheme | Council support makes landlords more comfortable | Availability varies by council |
What landlords usually check
- Identity and right to rent
- Income and affordability (often rent multiplied by 30 compared with annual income)
- Credit file: CCJs, defaults and bankruptcies
- Previous landlord reference
Improve your chances
- Check your credit file for errors and correct them
- Explain past problems briefly and honestly, with evidence they're resolved
- Show bank statements with regular rent or household payments
- Pay any CCJ in full: if paid within a month it's removed, otherwise it's marked satisfied
Be wary of anyone offering "no checks" homes who asks for large upfront payments before a viewing or a written tenancy. That's a common scam, and taking more than a month's rent in advance is no longer allowed.
How Fraser Bond helps
- Landlords who consider applicants with past credit problems
- Help preparing a strong application
- Guarantor options explained
- Benefit-friendly homes across London
Worried about a credit check?
Talk to us about homes and landlords that can work for you.
Speak to our teamRelated guides
Fraser Bond services: DSS & benefit-friendly rentals · Rental · Contact us
