"Blacklisted" - people or the house?

[dele]

Hey all

Just sorted out a let on a flat for me and the missus and a few years ago her dhead of a sister went mental on cards and loans before doing a runner and getting Blacklisted, now we're due to have a credit reference taken for this new flat and my girlfriend is worried that this is going to get us declined

Can anyone with any experience offer up some advice?

[hairykrishna]

It's people these days. Used to be address based but they changed it a good few years ago.

[72EuropaTC]

Provided that you & the mrs have no *financial* link/connection with her (e.g. bank accounts, credit accounts) then you should be fine. If you do have any then you should sever them asap write to the likes of Experian, Equifax etc to sever the link also.

[Wings]

72EuropaTC said:

Provided that you & the mrs have no *financial* link/connection with her (e.g. bank accounts, credit accounts) then you should be fine. If you do have any then you should sever them asap write to the likes of Experian, Equifax etc to sever the link also.

Same surname and same initial for forename might cause a problem. I once recall having a female tenant, who happened to have the same surname as mine, and her hobby was ordering goods from mail order catalogues and not paying for the goods, this continued after she had vacated the rental premises. I did as the above poster advised, not related and no financial connection.

[cpas]

Get a credit check done first at Experian (I think it only coasts £2) We did this once as we got turned down for a credit card and it turned out that someone had moved into a house we were renting out (without our permission as a friend of the tenant) and tried to get a mobile phone fraudulently. We got a report back then wrote to them disassociating ourselves from her.