Hi all,
My wife and I moved into our rental property last year. At the time, we passed our credit checks but also added a Guarantor Scheme to our application for additional support. We did let our landlord know upfront that our credit scores weren’t great and that we had a history of bad credit.
The scheme is now due to expire in a few months, and our landlord has said they’d be open to referencing us both again instead of renewing the Guarantor Scheme.
We’re currently debating whether to go down the referencing route or simply renew the scheme for another year. Has anyone else faced a similar decision? We’d really appreciate any advice or experiences from people who’ve navigated this before—especially if your credit wasn’t perfect either.
Thanks in advance!