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How can you rent an apartment with bad credit?

 
Anonymous Coward
User ID: 49159460
United States
11/25/2013 09:07 PM
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How can you rent an apartment with bad credit?
How can you rent an apartment with bad credit?I live in IL and am having to move to a different state suddenly. I made some bad choices and ended up with late payments, collections and bad credit on my file. My wife is the reason for the debt - she spend all my money on shopping and buying furniture and I ran into huge debts. I worked all my life and now my file looks bad. How can you overcome this in trying to find a new apartment?
Anonymous Coward
User ID: 22064694
United States
11/25/2013 09:16 PM
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Re: How can you rent an apartment with bad credit?
America is a scam and this is one of them...

good luck renting a place ; will be difficult


Do you have family in the state you are moving to you could stay with for a while??

Check out all of the shelters in the area ...church organizations


You can try but most rental places are locked into the beast

database system today
Anonymous Coward
User ID: 45520978
United States
11/25/2013 09:18 PM
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Re: How can you rent an apartment with bad credit?
Think alternative rental...... not just the regular "apartment complex" or "rental agency." during grad school I rented the amazing 2nd floor of an old house. The 90-year old woman lived mostly downstairs.

After grad school, I got to live almost for free in an AMAZING, newly renovated apartment that was a 1920's school. I just had to do the yardwork, vacuum/dust, sweep out the laundry area!


Caretake

house sit

deal directly with the owner of a house..... maybe you can offer to pay a little larger security.....

Don't let "BAD CREDIT" take you out. Be willing do look at this differently. Think creatively and GO FOR IT!

The Universe is moving you.... let it provide your place, too! Trust!
Stoned Goddess

User ID: 41620513
Canada
11/25/2013 09:19 PM
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Re: How can you rent an apartment with bad credit?
I didn't realize credit checks were performed for renting appts... that seems excessive. sounds like typical America though.
:smokin1:
Anonymous Coward
User ID: 45520978
United States
11/25/2013 09:19 PM
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Re: How can you rent an apartment with bad credit?
America is a scam and this is one of them...

good luck renting a place ; will be difficult


Do you have family in the state you are moving to you could stay with for a while??

Check out all of the shelters in the area ...church organizations


You can try but most rental places are locked into the beast

database system today
 Quoting: Anonymous Coward 22064694





FEAR-BASED.
Anonymous Coward
User ID: 17476062
United States
11/25/2013 09:20 PM
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Re: How can you rent an apartment with bad credit?
Landlords want PROOF that you're not a cheapskate who's gonna wreck their shit and skip out on bills...

What other way is there to "show" them that in leiu of a credit report?

NOT MUCH...and why is that?

WE as humans trust a computerized code score more than we trust the word of another human...

Sad shame that is...

Maybe you can find a good landlord who will take recommendation letters from your family or friends that support your willingness and ability to pay...

You'd be surprised how many places are going empty these days...landlords are cutting deals like mad...you should at the very least be able to rent a crap shack in the boon docks if it comes to it.
woowoochic

User ID: 22374259
United States
11/25/2013 09:21 PM

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Re: How can you rent an apartment with bad credit?
lots of places "in the hood" will rent to you not to mention slumlords...1st & last months rent plus a sizeable deposit. check the classifieds or craigs list.
Partly Cloudy

User ID: 50376925
United States
11/25/2013 09:23 PM
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Re: How can you rent an apartment with bad credit?
My brother was in your boat OP. He ended up renting a small house from some random guy in the paper. He had to prepay his rent and he had to give the guy two months deposit but it all worked out in the long run.
silvervega

User ID: 46368876
United States
11/25/2013 09:23 PM

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Re: How can you rent an apartment with bad credit?
Build a hidden room behind a bookshelf. This probably takes some long term planning and a lot of invisibility potion. Post a video of your stealthy hideaway, be sure to collect add revenue from your YouTube hits. You will soon be on your way to an apt. Blessing use real sage. That's all I got.peace
On the other hand, I have different fingers.
Anonymous Coward
User ID: 50490796
Canada
11/25/2013 09:23 PM
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Re: How can you rent an apartment with bad credit?
Rent it under someone else's name, somebody with good credit. I never had a guy check my ID whenever I rented an apartment. If you're renting off some big outfit with a head office out of town that's even better.

They don't know shit from shinola and don't care as long as the checks keep coming. It's the mom and pop guy who's eventually going to find out who you really are and have a problem with it.
Anonymous Coward
User ID: 15352762
Canada
11/25/2013 09:25 PM
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Re: How can you rent an apartment with bad credit?
I didn't realize credit checks were performed for renting appts... that seems excessive. sounds like typical America though.
 Quoting: Stoned Goddess


Property management companies do it here...they don't want to get stiffed for sheriff fees for elongate evictions.
pork fat rules

User ID: 47322919
United States
11/25/2013 09:25 PM
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Re: How can you rent an apartment with bad credit?
money talks and opens doors. if you have enough up front you can get anything you want.
silvervega

User ID: 46368876
United States
11/25/2013 09:25 PM

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Re: How can you rent an apartment with bad credit?
I should edit but meh I just don't care
On the other hand, I have different fingers.
Anonymous Coward
User ID: 40344820
United States
11/25/2013 09:26 PM
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Re: How can you rent an apartment with bad credit?
I didn't realize credit checks were performed for renting appts... that seems excessive. sounds like typical America though.
 Quoting: Stoned Goddess


Any rental thats decent to live in in my area runs a credit check.Even landlords that only have a couple of houses to rent do so too.Apparently if you rent property you are allowed access to credit history of any potential renter.Bad credit you wont find a rental here.
Anonymous Coward
User ID: 26278359
United States
11/25/2013 09:27 PM
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Re: How can you rent an apartment with bad credit?
Try to find someone renting a duplex or a condo. Sometimes they want the deposit up front and don't run a credit check. I went thru this with my ex many, many years ago and found some excellent homes. You may also try to find someone who is renting a basement apt....

Good luck!
Anonymous Coward
User ID: 45879938
United States
11/25/2013 09:43 PM
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Re: How can you rent an apartment with bad credit?
tell them your credit is so awesome, you don't want to get dinged by their crappy credit check.
3 months of bank statements and proof of income with references should be enough.
Anonymous Coward
User ID: 50551212
Japan
11/25/2013 09:49 PM
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Re: How can you rent an apartment with bad credit?
We have special "Cooperations" who help in that case!

Here you need to provide 5 Times the first Rent,
a Guarantor and a Liquidity Test for a small Apartment,
many People cant and this black Business help,
but not for free!

Cash may help!
Too Dark Park

User ID: 9813460
United States
11/25/2013 09:55 PM
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Re: How can you rent an apartment with bad credit?
Rent it under someone else's name, somebody with good credit. I never had a guy check my ID whenever I rented an apartment. If you're renting off some big outfit with a head office out of town that's even better.

They don't know shit from shinola and don't care as long as the checks keep coming. It's the mom and pop guy who's eventually going to find out who you really are and have a problem with it.
 Quoting: Anonymous Coward 50490796



Yeah that's a good idea rolleyes


You can rent an apartment with shitty credit OP, but as someone here already said it's going to be in shitsville. My sister and her at-the-time fiancee had to live in such an apartment complex. The people who lived above them (illegals) had a little party every weekend when management was nowhere around (they never showed up Saturdays and Sundays). There would be beer cans falling off the patio from above, beer bottles and garbage on the ground inside their little enclosure and on the outside of it. Very classy place it was.
Partly Cloudy

User ID: 50376925
United States
11/25/2013 09:57 PM
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Re: How can you rent an apartment with bad credit?
We have special "Cooperations" who help in that case!

Here you need to provide 5 Times the first Rent,
a Guarantor and a Liquidity Test for a small Apartment,
many People cant and this black Business help,
but not for free!

Cash may help!
 Quoting: Anonymous Coward 50551212



Don;t forget your key money. You can pretty much buy a guarantor in Japan now. Lot's of old folks doing it to supplement income. I was lucky and had my company set it up all for me.
Anonymous Coward
User ID: 50569057
United States
11/25/2013 09:59 PM
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Re: How can you rent an apartment with bad credit?
move to the hood!



[link to www.youtube.com]
Anonymous Coward
User ID: 11578413
United States
11/25/2013 10:02 PM
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Re: How can you rent an apartment with bad credit?
from an AC on another thread. hf
I rented with no credit report when i moved from turkey to Us. I had to pay 6 months in advance and i think 2 months deposit. If you have some money talk to a real estate agent. You can find one that will be willing to help you. Maybe you can prepay 3 months and get a rental. I explained my situation to the agent and asked for her help. she trusted me and talked to the landowner and we found a solution. I gave almost all my cash at the time but i had a contract. I told her how much i could prepay and we worked with what i had.
Anonymous Coward
User ID: 22437810
United States
11/25/2013 10:03 PM
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Re: How can you rent an apartment with bad credit?
the "System" has ruined your life. yer fucked.
Anonymous Coward
User ID: 20959249
United States
11/25/2013 10:03 PM
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Re: How can you rent an apartment with bad credit?
I live in a major apartment complex in CA. Had to put down a $2k deposit on a small apartment. No problem. After a year of paying my rent they will return about $1200 as long as I keep paying on time as I will. It's not the end of the world but as always it takes money.
Anonymous Coward
User ID: 50551212
Japan
11/25/2013 10:03 PM
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Re: How can you rent an apartment with bad credit?
We have special "Cooperations" who help in that case!

Here you need to provide 5 Times the first Rent,
a Guarantor and a Liquidity Test for a small Apartment,
many People cant and this black Business help,
but not for free!

Cash may help!
 Quoting: Anonymous Coward 50551212



Don;t forget your key money. You can pretty much buy a guarantor in Japan now. Lot's of old folks doing it to supplement income. I was lucky and had my company set it up all for me.
 Quoting: Partly Cloudy


The good old Days, gone like a Sakura Blossom in the Wind
Sad

I am lucky too but many other People have big Problems
and they need to live in a Guesthouse/ Shared House or Internet Cafe!
Anonymous Coward
User ID: 46820730
United States
11/25/2013 10:59 PM
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Re: How can you rent an apartment with bad credit?
It really depends on where you are renting - I have been where you are - Ten years ago, after a nasty divorce, my husband left my credit in shreds. Still, I had a good job, decent income - and I was able to rent a nice apartment.

I dunno how bad your credit is - but most landlords are looking at your credit to see if you have ever been evicted. A few late pays isn't going to keep you from getting a rental.
Anonymous Coward
User ID: 50431048
United States
11/25/2013 11:00 PM
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Re: How can you rent an apartment with bad credit?
Live in a mobile home rental.
Anonymous Coward
User ID: 50590447
United States
11/25/2013 11:02 PM
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Re: How can you rent an apartment with bad credit?
Marrying a woman who can't handle money actually makes YOU look like you can't make good decisions, or keep things in control in your life.
Anonymous Coward
User ID: 50510129
United States
11/25/2013 11:22 PM
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Re: How can you rent an apartment with bad credit?
You can freeze your credit reports you know.
That makes them totally inaccessible to anyone that not not currently a creditor.
Of course, you will need to give them a story about why they can't access your credit... tell them you were a victim of identity theft or whatever.

But yeah.... my credit reports have been frozen since 2007. I don't unfreeze them for anyone or any reason. I opted out of the credit system and I'm not going back in, ever.
MONSTER

User ID: 47033863
United States
11/25/2013 11:29 PM
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Re: How can you rent an apartment with bad credit?
Real estate companies handle apt and houses here in Hawaii, unless you can find the owner trying to rent you have to pay $25.00 for a credit check. They seem to check credit for even some job employment
KINGDOMS, NATIONS AND KINGS HAVE BEEN BROUGHT DOWN TO THEIR KNEES WITH ONE GLANCE FROM A WOMAN.

I WEAR MY SKIN OF ARMOR SO NO ONE CAN GET IN AND NO ONE CAN GET OUT.

HOW CAN I MOURN YOU, WHEN I HAVE NEVER LET YOU GO, monster 1991-2008 RIP
jbje
User ID: 50618092
United States
11/26/2013 11:48 AM
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Re: How can you rent an apartment with bad credit?
As many have said, it's tough. DONT pay any fees to any providers claiming they can help you. We almost got burned.

Fortunately a friend of mine recommended me to a company that had helped his co worker, check out the company ez lease rentals you dont need good credit only requirement is being able to verify your income I think.

Best of luck to you!
Anonymous Coward
User ID: 29023126
United States
11/26/2013 12:04 PM
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Re: How can you rent an apartment with bad credit?
How can you rent an apartment with bad credit?I live in IL and am having to move to a different state suddenly. I made some bad choices and ended up with late payments, collections and bad credit on my file. My wife is the reason for the debt - she spend all my money on shopping and buying furniture and I ran into huge debts. I worked all my life and now my file looks bad. How can you overcome this in trying to find a new apartment
 Quoting: Anonymous Coward 49159460


Forget the apartment complex and rent a house or duplex from a private individual who might not pull credit.





GLP