Some private landlords use a rental agent to find new tenants and they may do a basic credit search. They will check your previous addresses and will see if you have any county court judgments or if you have ever been bankrupt.

If you are worried that this may affect you being able to rent, you could offer to pay a larger deposit. You could also ask a family member or friend to be a guarantor for your rent or supply references from a previous landlord.

Most people can apply for a council house but there will be a waiting list. Council houses are allocated on a points system. How long you wait to be given a house will depend on how many points you have. The council will give a higher priority to vulnerable people, people with children and people who are homeless.

If the council thinks you have made yourself intentionally homeless you may not be able to apply for a council house.

If you are struggling to pay your rent you may be entitled to some Government help. If you have a low income or receive certain benefits you may be able to claim Housing Benefit or Local Housing Allowance. Depending on your situation this may pay all or part of your rent.

To check what benefits you can claim you could visit Turn 2 Us, a website with a benefits calculator. If you are struggling with other debts and would like to speak to someone about what benefits you can claim please call our helpline. One of our specialist advisors will be able to help you.