How can i get an apartment with the not so best credit?

Question

I'm under a DMP with CCCS.

Answer 1

Extra deposit (if allowed by state law) and proof of income. A guaranty from a parent, guardian, family member, friend, also helps.

Answer 2

II was in the same boat as you are and this is what you should do

First stay away from apartments that are runned by brokers, corperations, represented by real estate agents etc.

Unfortunatly in this day and age its hard to do anything with bad credit. I wanted to have spring water delivered to my house and they wanted a credit check.
What the heck is going on in this Country!!!

In the next decade a bad credit report will destroy everything you want to do. I just found out that a new insurance company does credit checks and if your score is bad they will make your premium double. Their theory is that people with bad credit or more likely to get into an auto accident. WHAT THE HECK!

Anyway my point in making these examples is for your future sake make your credit report a priority one to fix and get under control or you will suffer bad.

I screwed my credit in my mid 20's and I am now 33. Everything I wanted to do even school was put on hold untill I repaired my credit. Pay your bills on time, dont get to many loans, stay away from credit cards. I suggest only having a small credit card for under 500.00 just to build credit. But do not get nothing more.
Treat your credit report like a Diamond-
Find an apartment that is part of a house, because in these situations the house is owned by a private individual who just wishes to rent some extra space they have.Usually these people never do a credit check. When you go look at that the house or apt never mention you have bad in fact don't even bring up the word credit report. If the person ask you for a credit check then you know to move on.
However I have never encountered a private person with one or two properties for rent wanting to a credit check. They will ask for ID, where you work and your signature on the lease.

With bad credit these are the places you need to find because bigger rental operations will always do a credit check and ever time someone looks at your credit it will lower your score.

We looked for a house for almost 3 months and we never applied any where that wanted a credit check because I am trying to get my credit better and the inquries will only lower thescore. We finally found a house that was owned by a couple
and they did no credit check, they only did employment verification.

I also never give my social security number to landlords because if any goes wrong they can go and attack your credit report for it.

I have been renting for 8 years and this is my last year doing it because its time we owned our own house.

Answer 3

shouldn't be an issue.