credit score estimator

Credit score on renting a house? Should we be okay?

hi, me and my fiance are looking to rent a place.. and we recently found one and paid the credit check price of £125. Im not sure what our credit rating is, but i found an estimator site saying its about 700 give or take a few. ill give you the financial info to see if that helps my question.. Me and my fiance have a joint account, we earn roughly £1200 a month ( although this is the minimun amount as we do a lot of overtime!!!) My fiance has £130 of commitments a month. although we go into overdraft a little bit we always get out of it within 2 weeks max. he has £1400 debt on his credit card but never misses a payment. thanks if you can help me

The credit check shouldn’t be a problem, but affordability is something they will check.

You need to earn (before tax) 2½ times your annual rent.

If you’ve both been employed full time for 6 months, then you can add your income together to reach that. If one of you hasn’t then it’s 2½ x the one that has.

You will also need a good reference from employer and ex-landlord.

If you can’t do any of the above you will probably need someone to legally guarantee that you’ll pay your rent – they will need to be checked out too (and pay)