Quick Answer: Can You Rent A House With A CCJ?

Can a CCJ affect getting a job?

In short, your prospective employer won’t be able to find out about it and it won’t affect your job prospects.

In certain cases, you can apply to have a CCJ set aside when it’s a “default judgment”.

When exercising its discretion to set aside a CCJ, the Court always considers whether you made the application promptly..

Can a CCJ stop you renting?

The initials ‘CCJ’ stand for ‘county court judgment’. … Unless you pay off the debt in full within a month of the court judgment, the CCJ can stay on your record for six years, and can affect your ability to get credit or rent a property.

Is a possession order a CCJ?

Is a possession order a CCJ? A possession order doesn’t count as a county court judgment (CCJ). Your credit rating won’t automatically be affected by eviction. If you have rent arrears, your landlord might ask for a money judgement or money order when they apply to evict you or after you’ve left.

How bad is having a CCJ?

The price of a CCJ A CCJ won’t leave your credit score in the best state – costing you around 250 points. … So if you receive a CCJ too, the total amount of points lost could be as much as 600 – which will ruin your credit history and rating. As these financial mistakes get older, they aren’t considered as bad.

What credit report do landlords see?

Any landlord who reports a tenant’s payment history to a credit bureau, will show up on a credit check. Landlords can check a credit report to see if any money is owed to a previous landlord. A landlord can use rental history data to see where a tenant has lived and make inquires concerning those rental agreements.

Can you pass a credit check with a CCJ?

If you’ve had a CCJ in the past, but more than six years have passed since it was issued, it should no longer appear on your Credit Report, and as such a landlord won’t be able to decline your application on that basis.

Can I rent a property with poor credit?

But credit is important for renting as well. Some landlords won’t rent to people with low credit scores. This doesn’t mean you can’t rent a home or apartment, though. There are some ways to get around this and prove to a potential landlord that you can afford to pay and will make payments on time.

Can you rent a property if you have a CCJ?

If you leave owing your landlord money Your landlord could take you to court if you leave owing rent. They could apply to the court for a money judgment called a county court judgment (CCJ). … A CCJ affects your credit rating. It’s harder to rent privately if you fail a credit check.

What is the lowest credit score to rent a house?

between 600 and 620What credit score is needed to rent a house can differ from landlord to landlord, but you can expect the minimum to be somewhere between 600 and 620. Certain items may be deal breakers for property owners, however. These could include the following: Car repossessions.