Question about my Credit score?

Question

I am in the process of renting an apartment. The landlord and I have everythingin order, All she has to do is do I credit report on me. I am farly young(just turned 20) so I dont have very much credit. I pay my rent on time every month, I pay all my bills on time and have never missed a payment (cable, internet, phone) so do you think i will still get the apartment? what do you think? she said if i have good credit then I will get it.

Answer 1

You shouldn't have a problem if you have made your payments on time. She is looking for past problems with past landlords you may have rented from (abandonment, etc.).

You can obtain a free credit report from all three credit burueas once a year now by a new law.

https://www.annualcreditreport.com/cra/index.jsp

Answer 2

As long as nothing negative is on your credit you should be fine. Normally landlords look for deliquent payments on anything to get a feel for it. Your score may be low, but that might be because it sounds like you don't have any major debt - that is actually a good thing. I have an idea to help your score. Get 1 card with like a 500.00 limit. Put your cable or something really small on it. Pay it every month and keep that card that way for about a year. When your card increases your limit, and they will - simply don't go nuts and use the card. Keep it to one small bill that is paid all the time and you will be fine.

Answer 3

You can go to AnnualCreditReport.com and check oyu own credit score -- and for free! No having to give a credit card or anything!

I think it would be a good idea if you checked your credit report as well, this was you can see if there are any discrepancies. I have a popular first/last name and my wallet was stolen several years ago. I came to find out that someone opened a cell phone account in my name, ran up a HUGE bill, and then never paid it. Took me some work, but I did get it squared away.

Good luck!

Answer 4

You will probably get the apartment. The only thing that might be a negative for you is the length of time you've had credit. (You are younger than most) or if you have too many "store" credit cards, since these are seen as negatives. However, most apartments are only looking for Very negative credit, and it doesn't sound like you could possibley be in that position. Congratulations!

Answer 5

Ones you have a good credit score there are chances that you can get the apartment no matter what. I have a good credit score as well, last two weeks I paid off my debt. I don't like to owe anyone. I still live at home with my parents.

Answer 6

Ususally when renting they just pull your credit to make sure no other landlords have reported anything bad about you. If a renter leaves and steals all the appliances or has to be evicted, the landlord has a right to report it on you credit report.

Answer 7

There is a difference between bad credit, and little credit.

If they took your application, and know your age, then they should already know you have little credit. No one has much credit at 20.

I wouldn't worry about it. You should be fine, as long as your income matches the payments you will be making.

It's nice to see someone at 20, worried about their credit score. It's nice to know there are still 20 year olds with some independence.

Answer 8

You could have gotten into a lot of trouble in the last couple of years. Kids get credit cards and go wild while they're still in school. So I think it will be OK. Your income will be important. Bad marks are worse than light credit.

Good luck.

(I work in the business but not on the leasing end)

Answer 9

You won't have any problems, even if you don't have a credit score, which in turn means that you just never had anything against you.
Good Luck and Good Housewarming

Answer 10

if you have paid everything on time and have no outstanding bills left unpaid, then why wouldnt you have good credit, only people who dont pay their bills have bad credit...so you should have great credit according to what you have told us.