I am 27 still living at home. My parents are in their 70's so I have stayed home to help them aroung the house. I am currently looking to rent an apartment because the girl I am dating her son starts kindergarten soon and we need to get a place. My question is since I have no renting history and my girlfriend does but it is not good because of her ex. They broke the lease and she says she gave him money to pay the bill but he used it for other things. That was four years ago. Are we going to have problems getting into a place cause of her past. My credit score is 709 and I am fixing to pay all of the balances down to zero. Will my credit override her bad past. If not what could we do or should we just talk to the landlords and see what they think. Maybe a high security deposit????? Thanks
2007-03-04 09:48:10 · 5 answers · asked by c_allardyce 1 in Business & Finance ➔ Renting & Real Estate
You should not have a problem getting a place. The lack of a landlord reference and your girlfriend's lease break are relatively minor issues to overcome.
Be forthright with the landlord and prepared to offer additional deposit or pay some advance rent if you sense reluctance. Your credit is strong enough that it should offset the other issues.
Good hunting!
2007-03-04 15:13:12 · answer #1 · answered by njc_flhtc 4 · 0⤊ 0⤋
Having done apt. rental, and my wife too, I would say your best bet is for you to fill out the application and with your credit score, you should have no problem getting an apt. Tell them your girlfriend might be moving in with you and ask if that will be a problem. What landlords frown on the most is pulling your report and seeing you skipped out owing. Not having rental history will not affect you in most cities, (you don't say where you live). Once you have an apartment, add you girlfriend on as a tenant. If rental history is a problem, say you were paying your parents rent, and have them backdate you some receipts as proof.
2007-03-04 18:00:05 · answer #2 · answered by Lance 3 · 0⤊ 0⤋
Your credit score is not that bad. I doubt you'd have a problem especially since you don't have any bad rental history on your report. All units are different...but if they seem hesitant to rent to you, you could offer to pay a higher security deposit, or maybe a few months in advance. Good luck!!
2007-03-04 17:57:17 · answer #3 · answered by lovemy2babies 4 · 0⤊ 0⤋
With a FICO of 709, you could possibly buy a home.
As for the apartment, you need a 2 bdrm. Rent in your name only, and there should be no question as to who will live there provided you keep it to three.
2007-03-04 18:10:35 · answer #4 · answered by Bob 3 · 0⤊ 1⤋
Just fill out all their required information if they have questions for you answer them. I wish you the best
2007-03-04 18:06:05 · answer #5 · answered by Anonymous · 0⤊ 0⤋