You will need to check with the bank you regularly do transactions with. They will assist you in providing the proper paperwork that corresponds with the proper accounts.
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Yes, an apartment complex can refuse to rent an apartment to you if you have bad credit. A bankruptcy alone will not stop you from being approved or disapproved from an apartment, they will consider your overall credit score and credit history.
Bankruptcy does not relieve a tenant from paying his rent: it's not a debt. Rent is due in advance of the rental period and is not an extension of credit. Oh, and a landlord cannot evict a tenant simply because he filed for bankruptcy.
No.
A rent credit check is a form used by landlords and/or property managers that is given to a tenant to sign for permission to run the credit history. This is an authorization given to the landlord from the potiential tenant.t
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You just have to ask each individual renter. There is no list I know of that indicates who does or does not do a credit check before renting.
Bankruptcies don't cover issues regarding rent. The renting of property, especially residential, is not an extension of credit-- it's the right to live on the property. A tenant filing bankruptcy still has to pay rent.
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Filing the bankruptcy petition is "declaring bankruptcy." The real question is, did you get a discharge? Bankruptcy affects your FICO or other credit score, which is one element of qualifying for an apartment or house rental. If you are renting from a managed property that does a big background check, probably not. If you look for smaller rental properties rented and managed by the owner, you are more likely to qualify. Be up front about the bankruptcy, rather than let them find it on your credit report.
Yes. Any debt not paid on time or late will have a negative effect on your credit.
Most apartments will require a credit check to make sure a tenant, student or otherwise, is able to pay the rent. However, there is discount housing available for college students and you can pick up roommates to help cover costs. If you pay in cash then some managers may not place too much emphasis on the credit check.