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bad credit & apartments
    #5158486 -

just curious - how do people with bad credit or no credit get an apartment? Besides having a co-signer, what else is there?

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Re: bad credit & apartments [Re: Vvellum]
    #5158490 -

a land lord who doesn't care?


--------------------
-QuantumMeltdown

Total abstinence is so excellent a thing that it cannot be carried to too great an extent. In my passion for it I even carry it so far as to totally abstain from total abstinence itself.
  -Mark Twain

"The time has come the walrus said, little oysters  hide their heads, my Twain of thought is loosely bound I guess its time to Mark this down, Be good and you will be lonesome
Be lonesome and you will be free
Live a lie and you will live to regret it
That's what livin' is to me
That's what livin' is to me"
Jimmy Buffett

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Re: bad credit & apartments [Re: Vvellum]
    #5158498 -

depeds on the class of apartment you're looking for, if you're shooting for lower
rent they only want to be sure you have the means to pay, upscale rent they want
big deposits on everything, if they have to boot you, they keep the cash


--------------------
California Has Legalized Child Prostitution

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Re: bad credit & apartments [Re: Prisoner#1]
    #5158531 -

yeah, it definatly depends.


I got the shitty apartment i'm in now with 0 credit. Woot woot @ being 19!


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Terrapin!

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Re: bad credit & apartments [Re: tactik]
    #5158550 -

When you go and meet your landlord, clean yourself up real nice. My roomy and I both wore shirts and ties, tucked in, his hair all full of gel and well mine, cant do too much with it. But we looked and acted respectable, and thats what mattered, we are both young and have very little credit as of now, but we got the place:sun:


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"Easy going and organic thoughts bent on self experimentation and knowledge and growth for the betterment of self and those around us"
-Playdo the philosophiser

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Re: bad credit & apartments [Re: Vvellum]
    #5158564 -

My roomates and I had basically no credit when we rented our current apartment (we're all undergrads). We had to put up a month's rent as a deposit, along with approximately another half-month of rent as a "cleaning deposit". We get the month's rent back if we pay every month until the conclusion of the lease, and we get the cleaning deposit back about a month after that.

It's kind of a pain (we live in a city, so monthly rent is NOT cheap) but at least we got the appartment.

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Re: bad credit & apartments [Re: Vvellum]
    #5158648 -

My landlady never checked my credit, which is indeed a good thing. Of course, I'm in a small town and it just so happened that my step-dad had met her before at a conference, so my case was a bit unusual.

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Re: bad credit & apartments [Re: Vvellum]
    #5158848 -

I currently have bad credit and the place I'm living in now didnt do a check. But now, I am looking for somewhere else to live. I guess my options are to find a landlord that doesnt check or somehow work out an arrangement based on the fact that my financial situation is good although my credit looks bad for the time being.

we'll see...

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Re: bad credit & apartments [Re: Vvellum]
    #5158866 -

yep....99% of the time, if you have the money, the landlord wont give a flying fuck about credit.....offer up more deposit if you can swing it....that will get almost anyone to overlook poor credit......


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--------------------------------

" If the sky were to suddenly open up there would be no law. There would be no rule. There would only be you and your memories... the choices you've made, and the people you've touched. If this world were to end there would only be you and him and no-one else. "

..............

"MAN! You know there aint no such thing as left over crack!"


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Re: bad credit & apartments [Re: Schwip]
    #5159253 -

thanks

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Re: bad credit & apartments [Re: Vvellum]
    #5160045 -

yeah.. they just want to know you have money


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Re: bad credit & apartments [Re: Shroomism]
    #5160093 -

well i don't know about bad credit, mainly, depending on where you are looking, as long as you have the means to pay everything will be fiine, and oftens times you can even fake the numbers you write down you know.

Furthermore, my girlfriends dad, a realitor for the past I don't know 20-30 yrs, and he daid if you have no credit at all, as I didnt' when I moved out that it is better than bad credit. He said the most important part was the means to pay.... afterall, its all about the money.


--------------------

Calico Kahlia come tell me the news
Calamity's waiting for a way to get to her
Rosy red and electric blue
I bought you a paddle for your paper canoe

Say you'll come back when you can
Whenever your airplane happens to land
Maybe I'll be back here too
It all depends on what's with you

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Re: bad credit & apartments [Re: Vvellum]
    #5161578 -

Back when I had bad credit, I never had no problems in moving into another place. Even though my credit was bad, I was never late with my rent or had any complaints from neighbors at the previous places that I lived at.

They did run a credit check on me and was aware of my credit problems (hospital bills), but the fact that I had been a good tenent in the previous place that I lived and allways paid my rent on time meant more to them than my credit report.

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