Updated October 2026
In short: there's no legal requirement for a landlord to credit-check you. Many private landlords will rent without one, or will look past a poor credit history, if you can show you'll pay the rent reliably. What has changed is that, since 1 May 2026, landlords in England can't ask for more than one month's rent in advance, so the old trick of "pay six months upfront to skip checks" no longer works. Here's what does.
Why landlords credit-check
A credit check helps a landlord judge whether you're likely to pay rent on time. Letting agents and rent guarantee insurers usually insist on one. Private landlords letting directly have more flexibility, and many care more about income, references and how you come across.
What you can offer instead
- A guarantor: someone who agrees to cover the rent if you can't. Commercial guarantor services are an option if you don't have one.
- Strong references from a previous landlord, employer or support worker
- Proof of income: payslips, an employment contract, or a Universal Credit statement
- Direct payment of the Universal Credit housing element to the landlord
- A council deposit or rent guarantee scheme, if you're eligible
Where to find landlords who don't credit-check
- Landlord-direct listing sites, where you can explain your situation in your first message
- Specialist agents who work with tenants with poor credit or on benefits
- Council private-rented-sector schemes
- Rooms in shared houses and lodgings, which often have lighter checks
Checks that still apply
Even without a credit check, landlords in England must carry out a right-to-rent check on every adult who will live in the property. Expect to show ID and proof of your immigration status.
Watch out for scams
- Never pay money before viewing a property and seeing a written agreement
- A holding deposit can't be more than one week's rent, and rent in advance no more than one month
- Deposits (max five weeks' rent) must be protected in an approved scheme
- Be wary of "no checks, move in today" adverts asking for cash or bank transfers
Improving your credit for the future
- Register on the electoral roll at your address
- Check your credit file for errors with the main credit reference agencies
- Pay existing bills on time. Some schemes can add your rent payments to your credit file
How Fraser Bond helps
We work with private owners who assess tenants on their whole situation, not just a credit score. Tell us your circumstances and budget and we'll match you with suitable homes.
