Law student w/new baby, FT job& bad credit - How can I get an apartment?

Question

I had a bankruptcy on my record in 2002, and am cleaning up my credit report - yet its just under 600, my score- until things get taken off . I've had a FT job all my adult life, have immigrant husband who is also working, 0 credit cards, excellent rental history, no criminal record, yet I am scared to death to not be able to get an apartment with adequate heat for my baby this winter. Any advice?

Answer 1

When push comes to shove, the fact that you have an excellent rental history is all that will matter to many potential landlords.

Most smaller landlords top priorities are that you will pay your rent on time, take care of the unit and be a good neighbor. They won't care about your credit score or other issues that don't affect them.

Approach landlords with your excellent rental history and you won't have a problem.

Answer 2

with your combination of things i wouldn't see any problems in getting a rental. yes your credit is not so great but they will see that you have an excellent rental histry plus verifiable employment. worst thing they might have you do is put up some more rent as collateral. some rentors will make you put down like two months rent as security deposit.

If not then your best bet is to rent from someone private, not the big rental agencies. you know that grandma that lives down the street with an extra room and so on. they really don't care about alll your credit, to an extent. they are usually more lenient with things like that plus with your baby, don't think people will turn you away

Answer 3

Your bankruptcy was so long ago, as a landlord, it wouldn’t make any difference to me and all of my apartments have heat. We have had a pretty soft rental market in most of the US for the past 5 years so owners and managers are less picky. Good luck.

Answer 4

Most states have housing and rental assistance. They actually have very nice apartments reserve some spots for people who could qualify. They have to be below a certain salary level. Your local county (state) government website would list a maximum salary/cap for you to qualify. Depending on where you are, they might also have a list of landlords or apartments that participate in this program.

Answer 5

you could pass with a privately owned they often do no longer do credit assessments... it would probable be terrific to aim staggering low earnings housing..... particular it does exist. or get a component time interest, anyhow.... you like to artwork, mark downs can in basic terms take you for thus long. pass to credit counseling . that would desire to help allot, in case you like to advance your credit status you could initiate via setting up a sturdy credit history via paying off a number of you cash owed, even sending a partial charge gets the mark bumped off out of your credit. all you have do to is make the attempt. additionally pass on your economic business enterprise and positioned money on a pay as you go credit card, then in basic terms USE 33% of the stability, then for the 1st 3 months make the minimum stability charge, on the 4th month pay off what you owe, this might practice lenders which you will cope with a revolving debt... and advance your credit scoreat a similar time. no this does not recommend spend 33% then pay one charge and use the cardboard lower back. in basic terms use 33% entire then pay it up for 4 months then pass away the cardboard on my own for a month or 2.

Answer 6

You'll be fine. Fair Housing Act will protect you and your family. And most landlords don't scrutanize credit scores as closley as they'd like you to believe. Find three places you want to live and apply at all three I'm betting two will accept you (if not all three) then you decide where you want to live.

Best of luck,

Slainte,

-D

Answer 7

read more tip and articles on renting, debt/credit, and money managing that will help you more on this site

Answer 8

dont worry. you will find a wat. your baby will be warm. i hope you manage!!