Landord debt affecting my credit; help please

[corrado 1990]

Hi,

I have recently moved into a flat in sheffield, pretty nice place. Unfortunatly there has been a lot of post for the landlord from the inland revenue and local contractors demanding sums of several thousand pounds. We've also had notices from the magistrates that 'collection agents' would be coming round in the night (we called the courts and they took note that we were private tenants).

Today i was out and found a good deal on a sony tv and a PS3 with 9 months interest free credit. I applied, but was declined credit.

A month before moving i bought a new car, my credit check for the new tennancy agreement returned nothing and i always pay bills on time.

I've done an experian check but that takes 2 days; I'm sure its the monry against the property outstanding that is causing the problem, anyone know how i can clear the address?

[spikeyhead]

I've no advice on the credit rating thingy.

I do suggest that you make very sure with the letting agent that your deposit is secured in one of the gov't schemes as it should be. You'll meed it back when the house gets repossessed.

[Nickyboy]

If you've only just moved in then any adverse credit wont appear on your record from the landlord. Wait for the experian report and see what it says, you may be surprised by what is on there, i was when i got mine

[Toni896]

Maybe the car if it was on credit. As for the land lords debt, I think you can get some type of letter or marker than basically says nothing to do with me put on your credit file.

[1066]

Never admit to applying for credit on PH.

You will fall foul of the "If you can't afford to buy it outright.... " bridage.

[Soft Top]

1066 said:

Never admit to applying for credit on PH.

You will fall foul of the "If you can't afford to buy it outright.... " bridage.

Should be OK in this circumstance as it was an interest free deal. Why pay now when you can pay later without any interest.

IIRC the landlords debts shouldn't be causing you any problems as only people with the same surname at the same address effect each others credit so unless he has the same surname as you it should be OK. As mentioned if his name is the same then you can have it recirded on your credit file that he is nothing to do with you.

[The Black Duke]

It may because you are not showing up on the electoral role.

[Stigmundfreud]

so how on earth do you know what these letters are on about?

[alfalynn]

Your credit rating can only be affected by another person if you are financially linked to them, e.g. joint mortgage or loans in both names. The address does not affect it at all.

[corrado 1990]

Thanks for the advice

alfalynn said:

Your credit rating can only be affected by another person if you are financially linked to them, e.g. joint mortgage or loans in both names. The address does not affect it at all.

That makes sense, but its the landlord's business which is registered at this address that is recieving all the letters/threats.

We'll see on tuesday which is the real cause; i have only assumed the £10k plus in unpaid tax and invoices could be the cause of the problems.