What would you like to do?

How do you rent an apartment if you have crappy or no credit and landlords keep saying no?

already exists.

Would you like to merge this question into it?

already exists as an alternate of this question.

Would you like to make it the primary and merge this question into it?

exists and is an alternate of .

As a reference, I just completed 20 years in apartment management in March 2005. Your situation is tough but not impossible. Most companies these days use third party agencies to develop rental credit scores, which have no direct comparison to credit bureau scores (usually referred to as beacon or fico). These other systems incorporate bureau scores, rental history, and court records (public information) to arrive at a score.
Management companies typically have input into what criteria is included as well as what final scores are acceptable, straight or conditional (extra deposits, shorter term leases, etc.) Ultimately, the quality of the community, the current occupancy rate, and the location of the property, combined, will dictate an often fluctuating policy. Your possibilities include:

  • State straight up that your credit score is bad, and offer to pay the maximum security deposit allowed by law in the state. Maryland for example is twice the rental rate agreed upon. Some management companies like United Dominion Realty Trust offer this option at almost all of their communities. Look them up on line and at udrt.com and then following the system through the looking for an apartment function. In addition, you may want to check allcreditrentals.com, which is the website featuring professionally listed apartment communities that helps people with low credits find the apartment they want.
  • Ask if you can have a trial 3 or 6 month lease at the typically higher short-term lease rate. Request the possibility of then converting to a years lease after proving your payment ability during the initial term. Some companies will do this when accompanied by a larger deposit, not necessarily the maximum allowable deposit in section 1 above.
  • Cosigners are accepted at many communities. Cosigners are usually required to have impeccable credit and significant incomes, because they are agreeing to cover your rent in addition to their own housing obligation should you default. Great credit implies that they won't let you damage their credit, thus covering the rent.
  • Finally, find a community that will allow you to be an occupant while someone else is the leaseholder. 50/50 chance. Many properties require anyone 18 or above to be a leaseholder which is not what you'd be looking to happen. The gray area on this approach is that the other person is supposed to be living in the apartment. Otherwise, they shift from the title "leaseholder" roommate to someone subleasing the apartment to you. Many apartments reject the latter. I can't suggest lying because if caught, the landlord will issue a notice to vacate.
+ 95 others found this useful
Thanks for the feedback!

Can a landlord enter your apartment when you are home and did not get to the door in time Situation is Rent is paid late fees are not landlord is harassing tenant knocks on door and then enters?

  The Landlord has no right to enter unless you've been given 24 hours notice. The only time he can "barge" in, is if there is an immediate problem (bursting pipe, fire, e

How far back can a landlord go and say you owe back rent?

Generally he can go back as far as you owe the rent. But a landlord can only evict you for not paying the rent, not for money that you owe for back rent. If your landlord acce

How can a landlord report a tenant's nonpayment of rent to an agency responsible for the tenant's credit rating?

You would have to take the tenant to court and have a judgment issued against them. Then collect by garnishing their wages, if they do not voluntarily pay the judgment amount.

How do l rent a apartment or house with bad credit?

You can rent an apartment with bad credit. Be prepared to put down a larger deposit as they may consider you a bad risk. Also consider a co-signer to vouch for your. You can a

How long does a landlord have to sue for unpaid rent in New York City after you have vacated the apartment?

  Check the landlord/tenant laws for your state. If they are going to sue, they must notify you--often by certified letter. However, the issue may be moot if they were abl

Can you rent an apartment with bad credit if you have a co-signer?

  Answer   Probably yes. It's really up to the apartmant management who they approve as renters. Some will want your co-signer with good credit to be the legal tenant

Can a landlord charge different amounts for rent on same size apartments in same complex?

Yes. No two apartments are exactly the same. In fact, in the U.S. at least, a landlord can offer the same unit to one person at one price, and to another person at another pri

How do you rent an apartment with bad credit?

Yes, you can rent an apartment with a poor credit history, though you will have to be a little creative. Be prepared to pay a larger rental deposit or rent for a shorter perio

How often the landlord should paint the apartment you rent?

I'm no lawyer but... The landlord's general duty is to make it habitable. Fresh paint isn't really needed for that, so don't expect the law to require him to refresh the p

What can you do about not being able to rent an apartment due to identity theft that caused a bad credit report and landlords keep rejecting your applications?

  Answer   Documentation is probably your best friend in a situation like this. You need to be able to show that you're aware of the ID theft and have taken steps to

I live in an illegal basement in New York and I have not paid rent for a few months can the landlord stop me from entering my apartment?

This is a complex situation. First, the unit being illegal for residency is the responsibility of the landlord or property owner. However, having rented it out, he is still t