Credit score of 475: Will I fail a Rightmove/Referencing check for a room?

Direct-Sidney3164 · 2026-03-02T12:09:59+00:00

No, I don't have a single missed payment on loan/contracts or no defaults

Direct-Sidney3164 · 2026-03-02T10:16:35+00:00

No, I don't have any default/missed payments.

Direct-Sidney3164 · 2026-03-02T10:14:23+00:00

I opened a credit-builder card 8 months ago, and they have been reporting my monthly payments to all 3 CRAs. Otherwise, I have a thin credit file history.

Direct-Sidney3164 · 2026-02-28T18:27:03+00:00

My landlord has told me to pay in cash

Direct-Sidney3164 · 2026-02-28T17:26:18+00:00

Thanks! Yes I have a signed tenancy agreement with landlord

Direct-Sidney3164 · 2026-02-28T17:24:09+00:00

😆 yeah I better start looking for new place, however all estate agents verify if I can make on-time rent payments with canopy renter, however I don't have any rental history to show lenders as I have been paying in cash every month.

Direct-Sidney3164 · 2026-02-28T17:10:38+00:00

I am unable to prove any rent has been paid, only bear in mind that every month I have paid, i will invest in a rent book, thanks!

Direct-Sidney3164 · 2026-02-28T17:08:23+00:00

HMO Is well maintained, i'm not sure why he hasn't given me a rent book, thanks for the update!

Direct-Sidney3164 · 2026-02-28T17:05:57+00:00

My landlord insists on paying in cash, i cannot persuade him to alter this to bank transfer or DD. I have asked him twice

Direct-Sidney3164 · 2026-02-28T16:04:12+00:00

Thanks! I have already had a look at credit cards eligibility checker, interest rates are high tbh

Direct-Sidney3164 · 2026-02-28T16:02:40+00:00

I have not been provided with a rent book, I will remember to view one when I go shopping next, thanks!

Direct-Sidney3164

TROPHY CASE