How to Rent an Apartment with Bad Credit
Get Your Credit Report
Start the process towards renting your apartment by checking your credit report. There may be discrepancies contributing to your bad credit that can be quickly resolved. While you can obtain one free, annual, credit report from each bureau, you should consider simply purchasing 24 hour access to your report. At Freecreditreport.com, you can have constant access to your account for $15 per month. In addition, the company will notify you anytime there is a change to your account. This will help you catch future discrepancies the moment they happen and rectify them quickly. You can also submit explanations for most discrepancies, which landlords will see.
Inform Your Landlord
If you know that your landlord is going to conduct a background check before letting you rent, be forthcoming about your bad credit. Don't make excuses for the behavior that you got you the bad credit, explain how you have learned from it and improved your financial behavior.
Get a Recommendation
If you've rented an apartment before, ask your previous landlord to provide a letter of recommendation. Your current employer is another good candidate to get a recommendation from.
Pay Upfront
Another way to put your landlord at ease about your bad credit is to offer to pay a few months in advance for your apartment.
Co-Signer
Landlords may be much more likely to rent you an apartment if you can provide a trustworthy co-signer.
Look Professional
Just because you have bad credit doesn't mean you need to look like you do. Don a suit or similar professional attire when meeting with potential landlords. Professionalism and first appearances go a long way. Some landlords may be willing to overlook the background check altogether if you give an appearance of professionalism and responsibility.
Published by Nik Minor
Nik is a freelance writer, editor, law student, and small business owner. View profile
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14 Comments
Post a CommentWhy would anyone want to "rent an apartment with bad credit?" Isn't it enough that the potential renter has bad credit? Of course, it may not be the apartment's fault it has "bad credit," but should serve as at least a warning. (God, can anyone at Yahoo! write coherently?)
Too bad the author of this little article is shilling for freecreditreport.com, a scam if there ever was one. You KNOW he's getting a fee of some type for doing this. His article is all commonsense stuff anyhow, nothing new or creative at all unless you're totally from the boondocks. He completely shut me off after his cleverly placed pitch for the scam.
I was honest with the landlord at the apartments where I have been she took advantage of several people and caused a lot of damages to people who just needed a decent place to live I am not complaining about my rent being reduced but I was not informed as to why my rent was reduced. although I would have liked to have been giving the choice of how I was to be reimbursed.
I was honest with the landlord at the apartments where I have been she took advantage of several people and caused a lot of damages to people who just needed a decent place to live I am not complaining about my rent being reduced but I was not informed as to why my rent was reduced. although I would have liked to have been giving the choice of how I was to be reimbursed.
Honesty is best.
Good advice.
I remember one landlord years ago running their mouth on autopilot about rental/deposit/ etc., I interrupted with "I'm not putting a deposit on this dump," and started walking away. I ended up moving in on nothing.
Not making excuses for bad credit is good advice, nobody likes a crybaby.
You so funny, J.C.
Great information here..thanks!