I am relocating to florida and I have bad credit. I need to rent apartment and I am having problems because of my credit. I need help
2006-10-21 06:52:41 · 4 answers · asked by jennyvee413 2 in Business & Finance ➔ Renting & Real Estate
I live in Washington State and am not sure about guidelines in Florida, but...
With most companies when they do a credit/background check, they are primarily looking for evictions or felony convictions.
When you have bad credit they will just ask for extra deposit. Be upfront with the management and let them know that you have less then perfect credit. On most occasions they will work with you.
No Evictions, No Problems. If you ever had an eviction, then you will need a co-signer. If you ever been convicted of a felony, it will depend on what the charge was and degree. In that case you would need a co-signer and a letter of reference, usually about three.
You can contact the Tenants Union in Florida to get info of your rights as a tenant.
2006-10-21 08:02:53 · answer #1 · answered by Anonymous · 0⤊ 0⤋
letters of reference, will not work with most of the larger apartment communities. Just know this. Be upfront with whoever you want to rent from and tell them what is in your past. at least they would be able to tell you if they can or cant take you. Please understand that most places will not flat out say NO to you because they cant. but if they say based on my credit criteria there is a chance that you will be denied... you know that you will be denied. Go with a small privately owned community. THey have more flexibility than the big communities.
Also keep in mind that a co-signer does not always garuntee that you can move in. some places only allow co-signers for certain things like getting you qualified on income, or lack of rental history. Generally speaking ask a lot of questions read the back of the applications word for word. if you do this it will save a headache and the money you have to put out to turn in an application. (35-70 dollars each time)
Good luck!
2006-10-21 14:58:14 · answer #2 · answered by This is harder than it looks? 6 · 0⤊ 0⤋
You can always get a cosigner. Find a really good friend or a family member with good credit and get them to cosign so you can pass the credit test and still get your name on the lease.
2006-10-21 14:51:40 · answer #3 · answered by Becky 3 · 0⤊ 0⤋
The best thing for you to do is to take letters of reference from your past 3 landlords.
2006-10-21 14:00:43 · answer #4 · answered by cyanne2ak 7 · 0⤊ 0⤋