Is there any way to gain an apartment without credit?

Question

I am trying to get an apartment but here's the thing, no credit. I've always handled things with cash, that, and I didn't have a steady job to handle a credit card at the time. I figured them to be more trouble then it was worth but now I find myself wanting a place of my own and with places doing credit checks it will be difficult to obtain a place of residence without credit. I know I can get a credit card now but I'd have to spend with it and it wouldn't show up on my card in time in order for a proper check to take place so I was wondering if there was other measures I could do like speak to someone directly about this in order to obtain a place that does not include sharing with a roommate, though I'm sure that requires a check as well. Any and all help is appreciated. Thank you.

Answer 1

You may want to try privately owned apartment buildings instead of managed ones, or, better yet, one side of a duplex. While most managed apartment buildings require credit checks, many private owners will only check for evictions without bothering to fully investigate your credit history.

Also, talking to your potential landlord could help. No credit doesn't necessarily mean unreliable. So long as you present yourself as mature and responsible when you're apartment shopping, you should be fine.

Answer 2

I never had a credit card until a few months ago and I've rented quite a few apartments. The last one I rented was only 3 years ago. After renting for 17 months, I bought a house, also without having a credit card. I've never even heard of this requirement, and I doubt if things have changed that much in the last three years, so I'd say, yes, you certainly can. I also only pay cash for things and never had a problem because when they ran a credit check I didn't have bad credit.

Answer 3

Talk to the apartment complexes you are interested in. Often 'no' credit is not as big a deal to them as 'bad' credit or bankrupcies. You might have to put up an extra month's rent as a deposit or something, but you should be able to get in the door.

Also, go someplcae like Macy's and get a card. You dont need to charge much more than say $5 socks, and you can turn around and pay the bill off at the same register--- but it will get you started, and within 6 months you'll have a good history going.

Answer 4

Private landlords who have a 3 to 4 unit building or a condo will rent to you without doing a credit check. Places like this are usually in the slums or lower-income communities where people with bad credit or no credit is more common.

Answer 5

Take your W-2's that show that you're gainfully employed, Some bank statements to show you have money, take a copy of the credit report that shows you have no debt, and give them a 2 month deposit - most landlords would be happy to have a tenant like you.

Answer 6

Paying your cellular telephone invoice would help, besides paying all of your different utilites. it really is all you want. also, it really is way less complicated to have terrible credit than good credit....What i'm conserving is they are going to record you swifter for the undesirable and it takes longer for the best to boost.

Answer 7

your just going to have to get a card and gain some credit first- without credit they cant determine if your reliable on paying things on time. Sorry.

Answer 8

Co-Signer?

Answer 9

there is, you just have to pay the first 3 months of rent.
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