# Credit Check on Gaurantor only? **URL:** \ **Category:** Landlord Discussion\ **Created:** [3 October 2019 18:11 UTC](https://community.openrent.co.uk/t/credit-check-on-gaurantor-only/7134 "2019-10-03T18:11:47Z")\ **Posts on this page:** 7\ **Page:** 1
**Author:** ![Scott4](https://yyz1.discourse-cdn.com/flex031/user_avatar/community.openrent.co.uk/scott4/32/1821_2.png) [@Scott4](https://community.openrent.co.uk/u/Scott4)\ **Post date:** [3 October 2019 18:11 UTC](https://community.openrent.co.uk/t/credit-check-on-gaurantor-only/7134/1 "2019-10-03T18:11:47Z")
Hi. I have had a Hungarian family show interest inn of my properties, but have said upfront they are self employed with an income of circa £30k. They say they can prove income by bank and PayPal statements (which I have been told by european colleagues at work this is all that is done in EU), and they can also provide a guarantor. Having paid already for a UK couple’s credit check (which failed) I am loath to keep on paying for applicants when a failure may affect my landlords insurance (as stated in the credit check report). So, my question is this, can I run a credit check on the guarantor but have the applicant named as tenants on the rental agreement? Thanks for any advice! ---
**Author:** ![Colin3](https://yyz1.discourse-cdn.com/flex031/user_avatar/community.openrent.co.uk/colin3/32/450_2.png) [@Colin3](https://community.openrent.co.uk/u/Colin3)\ **Post date:** [3 October 2019 18:17 UTC](https://community.openrent.co.uk/t/credit-check-on-gaurantor-only/7134/2 "2019-10-03T18:17:18Z")
you mean they failed a check and you still want to take them on?? ---
**Author:** ![Beverley3](https://yyz1.discourse-cdn.com/flex031/user_avatar/community.openrent.co.uk/beverley3/32/1778_2.png) [@Beverley3](https://community.openrent.co.uk/u/Beverley3)\ **Post date:** [5 October 2019 07:12 UTC](https://community.openrent.co.uk/t/credit-check-on-gaurantor-only/7134/3 "2019-10-05T07:12:38Z")
Hi there, sometimes - unless you have a particularly high risk threshold and deep pockets - it is better to move on from a tenant/s that ticks so many of the boxes on the risk front. They may be able to prove income for last year, but what about the 6 months minimum that they will be renting from you? They can’t guarantee that income. Credit checks will look for rent being no more than about 40% of the prospective tenants monthly income. Avoid spending more money on what are already high risk tenants and keep looking, you’ll be glad of it a couple of months down the line. ---
**Author:** ![Sam](https://yyz1.discourse-cdn.com/flex031/user_avatar/community.openrent.co.uk/sam/32/6179_2.png) [@Sam](https://community.openrent.co.uk/u/Sam)\ **Post date:** [7 October 2019 09:42 UTC](https://community.openrent.co.uk/t/credit-check-on-gaurantor-only/7134/4 "2019-10-07T09:42:24Z")
> [@Scott4](#): > > can I run a credit check on the guarantor but have the applicant named as tenants on the rental agreement? Hi Scott, yes, absolutely. In fact, this is what I’d recommend doing. ---
**Author:** ![Scott4](https://yyz1.discourse-cdn.com/flex031/user_avatar/community.openrent.co.uk/scott4/32/1821_2.png) [@Scott4](https://community.openrent.co.uk/u/Scott4)\ **Post date:** [9 October 2019 14:26 UTC](https://community.openrent.co.uk/t/credit-check-on-gaurantor-only/7134/5 "2019-10-09T14:26:35Z")
Hi Colin. I think that they would fail the credit check due to being self employed, but if they can prove £30k income I am comfortable they can afford the monthly rental. I did pay for the first couple who applied and they failed. This is a different family, but though if their guarantor passed the CC it would be more of an assurance. ---
**Author:** ![Colin3](https://yyz1.discourse-cdn.com/flex031/user_avatar/community.openrent.co.uk/colin3/32/450_2.png) [@Colin3](https://community.openrent.co.uk/u/Colin3)\ **Post date:** [9 October 2019 18:11 UTC](https://community.openrent.co.uk/t/credit-check-on-gaurantor-only/7134/6 "2019-10-09T18:11:27Z")
scott4 I get it… I have been self employed for 50 years and have accounts for every year. A guarrantor gives peace of mind ---
**Author:** ![system](https://yyz1.discourse-cdn.com/flex031/user_avatar/community.openrent.co.uk/system/32/11_2.png) [@system](https://community.openrent.co.uk/u/system)\ **Post date:** [9 August 2022 12:51 UTC](https://community.openrent.co.uk/t/credit-check-on-gaurantor-only/7134/7 "2022-08-09T12:51:20Z")