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Landlord Credit Checks: What Tenants Should Know

Be ready, be open, add a guarantor if needed.

Landlord Credit Checks: What Tenants Should Know Residential Property Services in London

Updated October 2026 · Fraser Bond

Renting · Referencing

Tenant credit checks

Consentrequired
CCJs& defaults
Affordability~30x
Guarantorshelp
In short: Landlords and agents usually run referencing with your consent, covering identity, right to rent, credit history (including CCJs, defaults and insolvency), income and affordability, and previous landlord references. A poor credit history doesn't automatically mean refusal; a guarantor, larger income evidence or a clear explanation can help. Since 2026, landlords can't reject applicants simply because they receive benefits or have children, and can't ask for more than one month's rent in advance. Check your own credit file first for errors.

Before you apply

Frequently asked questions

Can I rent with bad credit?

Often, with a guarantor or explanation.

Do I pay for referencing?

No; tenant fees are banned.

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