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Topic: Renting and credit history  (Read 1539 times)

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Renting and credit history
« on: October 18, 2012, 06:31:27 PM »
I'm wondering what expats need to do to be able to rent when they have no UK credit history. I know agents want to be able to take a credit history but what if someone does not even show up in the system? We've never lived in the UK, have no family or friends there- so it's not like we have anyone to co-sign with or any way to prove ourselves.  ???
9/11/2012 Husband mailed his US citizenship application.
9/17/2012 Received e-mail stating his application has been entered into the system.
9/22/2012 Hubby received letter with date for finger printing.
10/12/12 Hubby went for finger printing.
10/26/12 Dh got a letter stating when he should appear for his interview and test- 11/27/12- just a month away!!!
11/27/12 We went to dh's interview and test- he passed and we went back 4 hours later for the Oath Ceremony! 95 people from 38 countries, really pretty cool!
So he's now a US citizen!!


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Re: Renting and credit history
« Reply #1 on: October 18, 2012, 06:33:18 PM »
I paid 6 months rent up front.


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Re: Renting and credit history
« Reply #2 on: October 18, 2012, 06:41:05 PM »
Did you have any other ties to the UK or is that all you needed to do?
9/11/2012 Husband mailed his US citizenship application.
9/17/2012 Received e-mail stating his application has been entered into the system.
9/22/2012 Hubby received letter with date for finger printing.
10/12/12 Hubby went for finger printing.
10/26/12 Dh got a letter stating when he should appear for his interview and test- 11/27/12- just a month away!!!
11/27/12 We went to dh's interview and test- he passed and we went back 4 hours later for the Oath Ceremony! 95 people from 38 countries, really pretty cool!
So he's now a US citizen!!


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Re: Renting and credit history
« Reply #3 on: October 18, 2012, 06:43:01 PM »
The estate agent may be able to do an international credit check.  That's what we did. 
On s'envolera du même quai
Les yeux dans les mêmes reflets,
Pour cette vie et celle d'après
Tu seras mon unique projet.

Je t'aimais, je t'aime, et je t'aimerai.

--Francis Cabrel


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Re: Renting and credit history
« Reply #4 on: October 18, 2012, 07:01:36 PM »
For both of our apartments, I ran my own credit (from the USA), on their computer, in their office, and then I printed it, and gave it to them.

They seemed confused BOTH times, but they accepted it, both times.
“It was when I realised I had a new nationality: I was in exile. I am an adulterous resident: when I am in one city, I am dreaming of the other. I am an exile; citizen of the country of longing.” ― Suketu Mehta.

Married 04/13/11, in NYC.
Applied for Spouse Visa the following week, with express service, and I was approved 4 days later!
Arrived in the UK 05/20/11.
I took the stupid LIUK Test Oct. 2012.
We were granted ILR In Person in Croydon on 04/23/13.
Got BRP 2 days later, in mail box - it just appeared.

NEXT: The lil' red passpo


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Re: Renting and credit history
« Reply #5 on: October 18, 2012, 09:04:20 PM »
I got lucky and found a private landlord who didn't want one. He took a lot more history than normal, including our CVs, before renting.


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Re: Renting and credit history
« Reply #6 on: October 18, 2012, 09:36:52 PM »
Did you have any other ties to the UK or is that all you needed to do?

Nope, no other ties... not even a job.
It was a private landlord, and it was initially a 6 month tenancy, so he was happy with that, since he had all his money up front-- it was no risk to him.
« Last Edit: October 18, 2012, 09:38:54 PM by Tracey »


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Re: Renting and credit history
« Reply #7 on: October 18, 2012, 11:37:18 PM »
Ok, thank you kind folks! I was beginning to wonder just how it's possible to ever move abroad- you've put my mind at ease.

Just gotta keep telling myself to not read too much into what I read on other forums, especially when it goes against my own gut instincts.  ::)  ;D
9/11/2012 Husband mailed his US citizenship application.
9/17/2012 Received e-mail stating his application has been entered into the system.
9/22/2012 Hubby received letter with date for finger printing.
10/12/12 Hubby went for finger printing.
10/26/12 Dh got a letter stating when he should appear for his interview and test- 11/27/12- just a month away!!!
11/27/12 We went to dh's interview and test- he passed and we went back 4 hours later for the Oath Ceremony! 95 people from 38 countries, really pretty cool!
So he's now a US citizen!!


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Re: Renting and credit history
« Reply #8 on: October 19, 2012, 06:30:49 PM »
Hi Beccarose,

Just from your last response, there's the potential for a lot of misinformation on the web, as you've found. The trick is to research a little deeper and to compare to other sources of knowledge as well. There's always information that is 'known' about but isn't 'posted' about.

In this case, I've done as mentioned below, and taken 6 months rent up front. I'm a private landlord as well and prefer long term renters that are respectful and trustworthy. If you can, do try and search out a private landlord as you'll find more flexibility. However, do keep your wits about you as of course there are idiot landlords out there as well!

Cheers, DtM! West London & Slough UK!


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Re: Renting and credit history
« Reply #9 on: October 20, 2012, 04:28:16 AM »
Thanks DtM :) I may just have to pick your brain a bit further about renting and landlords and what to expect, if that's ok?
9/11/2012 Husband mailed his US citizenship application.
9/17/2012 Received e-mail stating his application has been entered into the system.
9/22/2012 Hubby received letter with date for finger printing.
10/12/12 Hubby went for finger printing.
10/26/12 Dh got a letter stating when he should appear for his interview and test- 11/27/12- just a month away!!!
11/27/12 We went to dh's interview and test- he passed and we went back 4 hours later for the Oath Ceremony! 95 people from 38 countries, really pretty cool!
So he's now a US citizen!!


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  • Posts: 2356

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  • Joined: Dec 2005
  • Location: West London & Slough!
Re: Renting and credit history
« Reply #10 on: October 20, 2012, 12:52:25 PM »
Brain?! what Brain?!

You are welcome to ask and I'll try to help as best I can :)

Cheers, DtM! West London & Slough UK!


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Re: Renting and credit history
« Reply #11 on: October 21, 2012, 07:02:35 AM »
Quote
Brain?! what Brain?!

Mwahaha, exactly how I feel!

Quote
You are welcome to ask and I'll try to help as best I can

Thank you! :)
9/11/2012 Husband mailed his US citizenship application.
9/17/2012 Received e-mail stating his application has been entered into the system.
9/22/2012 Hubby received letter with date for finger printing.
10/12/12 Hubby went for finger printing.
10/26/12 Dh got a letter stating when he should appear for his interview and test- 11/27/12- just a month away!!!
11/27/12 We went to dh's interview and test- he passed and we went back 4 hours later for the Oath Ceremony! 95 people from 38 countries, really pretty cool!
So he's now a US citizen!!


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Re: Renting and credit history
« Reply #12 on: October 21, 2012, 08:48:09 AM »
It's all about passing the referencing process, which is usually done by a seperate company, so really even the estate agents don't know exactly what you may or may not need. We had some agents telling us we'd be fine since DH had proof of employment, and others that said we'd need 6 months up front in lieu of referencing since we didn't have recent landlord references. We ended up going with a private landlord who didn't need us to jump through hoops, and now we have a great landlord reference if we need it in the future.


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Re: Renting and credit history
« Reply #13 on: October 22, 2012, 02:58:55 PM »
We got lucky that our letting agency were willing to check our US reference (although I don't think they did).  We did both have jobs which were verified and that definitely made a HUGE difference.

Good luck with it all!


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