basically when i was 19 i was young and immature and got a loan out which ended up resulting in a CCJ and me paying back a bit at a time every month, well its totally ruined my credit rating and now im 24, grown up with a pretty good job and wanting to move out, the only problem is, sheffield property shop just wont give me a look in cos im not coming out of prison, on drugs or from another country, and everytime i view a property with an agency, they always want to put me through a credit check, and with most checks been 150 quid i dont want to risk it to get the fail comeback.
i just really need my own place, outgrowing the parents house, and just want a landlord who doesnt do such checks, i earn 1,200 a month, and have money saved up. its a shame that a silly mistake i did as a kid is still ruining me. I know once i get a flat, then rent will be paid on time, and i can well afford my own place, just getting over this obstacle really