Credit Repair Questions & Answers

If you can afford it, you might try paying several months’ rent upfront before you move in. If not, it will be difficult to find someone willing to take the risk without a cosigner.

If you make quite a bit of money why don’t you pay off what’s hurting your credit and make it better? That’s the only to make your credit score better.

Okay, I have the same issue but my credit is about 520. Offer to pay an additional security deposit. Offer to prewrite all of the rent checks and date them per a month. Offer to pay the rent in advance (if u can affordf it).

These actually do work!

Try asking the manager if it would help if you put down 1-3 months of rent ahead of time. Other than a co-signer that is your only choice unless you can find a home for rent by an individual who doesn’t check credit.

Try having an honest heart-to-heart with the potential landlord(s). Explain to them that you had problems in the past but have changed your ways (if you have). Make sure the bad things on your credit report have been paid. Maybe offer to pay a couple months rent up front if you can, to show good faith.

You can try to rent an apt that doesn’t check credit if you need to move right away, sign a couple of years lease untill you fix your credit. Pay off your debts little by little, as best as you can. Premiere Bank Credit Card is for someone w/no or bad credit, anyone can apply, almoust anyone approved, it doesn’t give you much $ to start, but it will bring your credit back up, if you want to fix your credit fast, don’t try consolidated debt or any credit services like that. It will show on your credit report.

I don’t know about Kalamazoo specifically, but depending on the apartment complex policy, they only go back 6 months to 2 years of your past rental history. If you guys are making decent money, I’d say get that copy of your credit report and make arrangements for payment plans. That shows that you are not just dodging your creditors, but trying to clean up your history. Sometimes having the payment plan is proof enough that you are worthy of the oppurtunity to rent.

If one of you has an eviction on your rental history, then you won’t even be considered. It takes about a year for that to show up on your credit report. Go for a small, inexpensive place to start, establish a decent rental history with taht complex, then go for something better.

Since you said you make quite a bit of money, hopefully you have some. Offer a larger than normal security deposit or better yet, prepay 6 months rent. If the larger complexes won’t accept this offer, check the non professional owners. Many people who can’t sell their condo, townhouse or house in this market are renting them. Many of these folks are not experienced enough to know to run a credit report on renters.

There are a couple ways you can go. You can pay a credit cleanup company to make some of this negative stuff go away, although it only disappears temporarily. The other option is to offer to pay six months rent in advance plus the deposit. That would be hard for any landlord to turn down. Let them know you will pay monthly at month four and always be three months ahead. After one year, you will use the remaining three months credit, and then pay month to month.

I worker for a property management company, and I was also an apartment manager. We had our standard requirement and FICO Scores, and there are always excepts to the rules.
In your situation we would require for you to show cancel checks for the last year to show that you paid your rent on time. By law you should have been given a receipt. You can write to your past landlords and request a print out of your rent record for the past year. They might charge you up to $25.00 for the research.

I would require for you to pay by money order or cashiers check only. In order to move into the unit, you would have to pay two months in advance plus the security deposit. If you paid your rent on time for the first year, I would return the extra month rent to you, and rewrite the rental agreement to reflect that you paid the standard security deposit and the first month rent.

You said ” make quiet a lot of money”

In this case, the solution is simple

Just buy in cash, do not rent

I have no idea how decent you’re looking to rent but you may want to consider something less than perfect. Even slightly run-down if need be which is what I did.

I have terrible credit as well and I was able to get an apartment here in Vegas for $515 a month. Not the nicest looking place or in the best neighborhood but it’s a place to call home.

Set your sights a little lower and you should land something soon.

I was in the same boat not too long ago. My suggestion would be to stay away from apartment complexes that rent a large amount of units, reason being they are usually owned by large corporations that are less likely to care about anything but your credit score. I would recommend trying to find a nice 2-6 unit building owned by an individual, usually when you explain your situation you’ll have a better shot! Good luck to you

Try renting from somebody that owns a duplex. They usually do not run credit checks like apartment complexes do. Also some apartment complexes will usually let you move in with bad credit, but you have to pay a higher security deposit.