It depends on the landlord. Also, it's not necessarily as simple as "650 you're in, 649 you're out" (or whatever). They'll probably look at your history of payments and specifically whatyou've paid and not paid on time. (Not paying credit cards on time is not always a deal breaker; not paying rent on time usually is.) People who own an apartment or two (condominium, duplex, etc.) are sometimes (and then again, sometimes not) more accommodating than corporations (corporations are more likely to have hard and fast guidelines; people are all over the map on how much risk they feel like taking). If you're worried, tell them beforehand what the situation is and they'll likely either tell you not to bother applying or they'll say something like "Okay, we'll get a report and if there aren't any surprises there, then based on what you've told me I don't see a problem."
Credit scores range from 300 to 850. The average credit score is 678. A score under 620 would put you in the higher risk category, where you may not qualify to rent the apartment.
yes
I got an apartment with this credit score, actually pretty good.
Your landlord would have to report payments to the credit bureau.
Find a landlord who will allow you to rent without regard to your credit score. This will likely be a mom and pop landlord and not an apartment rental service, but you will be able to get a place and work on your credit.
Credit scores range from 300 to 850. The average credit score is 678. A score under 620 would put you in the higher risk category, where you may not qualify to rent the apartment.
yes
I got an apartment with this credit score, actually pretty good.
Yes.
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.
Your landlord would have to report payments to the credit bureau.
Your credit score is one part of your rental application, and it's important to know that landlords will usually check all three credit bureaus when considering an applicant. If you have a low credit score, you may want to ask your husband to cosign on the lease with you. This will help improve your chances of being approved for the apartment you want.
Yes
Find a landlord who will allow you to rent without regard to your credit score. This will likely be a mom and pop landlord and not an apartment rental service, but you will be able to get a place and work on your credit.
A credit score is only important during certain transactions in life. If you need a large loan for something, want to rent an apartment or apply for a credit card, you will need to have a good credit score in order to get approved or receive a more beneficial interest rate. However you typically don't need a credit score for daily life.
Yes, you can still get an apartment with a very low credit score but you may be required to pay a higher security deposit on top of your initial rental payment. You can also search on Craigslist for renters who may not be doing any credit checks.
It should not affect your chances at all unless the payments are delinquent and end up affecting your credit score. Your credit score is the first the lenders look at when decided what type of loan you qualify for.