Trying to move with bad credit?

Question

Me and my fiancé are trying to move to a smaller place in order to save up for our wedding but weve been denied several times because of our credit, which is pretty bad. We have great jobs make 5x the rent at these places and we have great rental history any idean on what we can do

Answer 1

So you better save a big amount of money and pay 1 year of rent in advance.

... or fix you credit for good : http://index-go.com/debt-consolidation-refinance-loans-mortgage.asp



http://index-go.com/finance-mortgage-brokers.asp

Answer 2

What I had to do was write a letter to my landlord (prospective at the time) and let them know that while i may not have the best credit, I have a great rental history and my income more than satisfies their requirements. I enclosed a few letters from past landlords that noted my treatment of their apartments. You can also say if it would be your credit that is holding you back you are willing to have the money auto withdraw from your account, or you are willing to give a larger than normal deposit. Those also both work.

It took a while, but with all of that and and extra 400$ for a deposit, I found my current landlord was more than willing to rent to me even though i didn't have the best credit.

Skip the companies that are larger rental property people, try the smaller owners. They are more willing to work with you.

Answer 3

Yes, tone down your wedding plans, and get your credit in shape NOW. Learn to budget and understand that if you have BAD credit it's no one's fault but your own. I don't care what you both make in the way of salary, if you cannot pay your bills and pay them on time, you will continue to have bad credit that will follow you from place to place.

Answer 4

Maybe there are some negative entries on your credit report that you can get removed before you submit another lease application. Have you tried getting one of those free credit repair consultations?

Check out: http://www.mortgageous.com/healthy-credit

They have lawyers and credit specialists who know how to get people started on rebuilding their credit. It's totally worth checking into - I know people who have seen their credit score improve dramatically after getting ideas from a credit counselor.

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Answer 5

You can ask a good friend with good credit to be your guarantor or third applicant. You should also find some people to put down as your references. If you are currently making that much money you shouldn't have any problems. Good luck!