www.iva.co.uk

Hi, I've gone from total happiness of paying an f and f back in September 17, this week I finally get an email to say that my completion certificate is on its way. I'm separating which is why I paid it off, but I'm having problems finding somewhere to rent. I can prove earnings of up to £80k a year, plus I can offer 6 months rent up front. But I keep getting told that because of my credit report I wouldn't be accepting. Has anyone had experience in this?

Many get accepted if they offer a higher deposit or upfront rental, despite failing the credit report. A guarantor can also help -- at the end of the day the agent can ask the landlord. Other options are to look at landlords who do not rent through an agent -- they generally do not credit check, but rely on references.

Private landlords are the way forward whilst the iva remains on your credit file.

I would think the deposit would go in your favour - you really won't know until you find somewhere and speak to the landlord.

but a guarantor might be required.