How do you rent an apartment/house when your ex made your credit score bad?

Answer 1

Depending on how bad you credit score really is, you may still have a chance. Most apartment complexes use a scoring model not the FICO score, so often times it doesn't take into account the credit score offered by the credit companies. The decision is based on your income, whether or not you have any evictions, and your personal credit. So, if your credit is bad but you make a good income and have no evictions, most apartment communities will ask for a higher deposit or a co-signer.

If your credit is really, really, bad then you should go and try to rent from a smaller landlord, often times they don't check credit, they rely on the way you present yourself, smile, dress nice, and act professionally and they may even ignore whats on your credit. While it is against Fair Housing to rent to people based on the way they look, many smaller landlords don't follow the laws and base their decision on first impressions.

Have a great sob story ready if and when they ask you why your credit is so bad.

Answer 2

Prepay several months or get a cosigner. Check with smaller landlords who might listen when you try to prove your credit rating is wrong. If he did take out credit in your name file a police report and protest the debts that you didn't agree to pay.

Answer 3

find some sucker willing to rent to u cause u made up lies and a big sob story then walk out on them in the end anyways.

Answer 4

you find a roomate with good credit... im right there with you.