Moving out on my own !!!!!?

Question

I will be moving out on my own as soon as I find a place with my 6 month old son. I can afford to pay the rent and deposit and everything else that goes along with having your own place. The problem is that I don't have the greatest credit.

When I was underage (i'm now 19) my mother signed me up for a credit card. I used it once paid it off then I went to use it another time and it was maxed out. I found out that it was mother than did it. I have pg&e bills that are in my name that are overdue and in collections from when I was only 16, and overdue cell phone bills from when I was under 18. That I know my Mother did.

Now I want to get an apartment but I know that all this will show up. What can I do? I know they said I can report it but I don't want to get my mother in trouble even though she should I have 6 younger brothers and sisters who rely on her to support them and I don't want to take that away. How can I get around this?

I want to get myself in a decent apartment because I don't want it to be a bad place for my son to live I believe that he deserves more.

Answer 1

Apartments will still rent to you. Fill out their credit check stuff and tell them just what you said here. They may charge you a bigger deposit since you have a bad record but that's the price you pay and there isn't much you can do about it. Or try to rent from a smaller place that may not check your credit. You need to stop your mother from using your identity and then moving on and runing the credit of your siblings too. She has a tproblem with paying her bills and no qualms about messing you up. Bad credit is something that will haunt you for a very long time and if your mother keeps it up, you will be in big trouble. You might want to run a credit check on yourself on a regular basis so that you can keep track of any credit problems out there and stop her as quick as possible. Once she figures out you won't tolerate her actions, she will just move on to your siblings. You probably need to stop her and there is only one way. I would call the companies that have problems with you and do whatever you need to do to straighten them out. I would report her to the companies and insist they go after her for the money and get the stuff out of your name. There is nothing wrong with insisting your mother pay her bills and then putting her in a position where she has to. And I would tell her exactly what I was doing, and that she best pay and if she uses your name again, you will turn her b*tt into the police. She knows what she did is wrong but obviously doesn't care. Running up bills with no intention of paying is stealing.

Answer 2

You can still get a nice place you just might have to put down a bigger security deposit or pay a little more for the first months rent. Just look around and see what you like and can afford. Talk to the landlord and see what they say. Sometimes if you just talk to them and let them know what is going on they will cut you a break.