I want to know what the chances are of getting an apt that my gf and i applied for. she has good credit and i have bad.
201365
My boyfriend and I recently applied for an apartment together. He had decent credit, but I had none at all. We were still approved for the apartment. It not only depends on your credit, but your income as well. A lot of places have a minimal annual income to ensure you'll make enough to pay rent. If your bad credit prevents you from getting into an apartment, have just her name on the lease, or have someone with good credit co-sign for you.
603395
They're looking for records of broken lease agreements.  Many apartment managers list broken leases on your credit report. They can also see reports of bounced checks, late payments, etc.  It should show all addresses you used to obtain credit in the past few years.  If there's anything you're hiding or need to explain just be honest and hopefully they'll rent to you.
560639
What you need to do is to talk to the apartment manager and describe your situation. See if you can pay partial rent and a late fee and hold off for a couple of weeks until you get back on your feet. You must keep the lines of communication open and show what you are doing to resolve this issue that you have caused. I, personally, would have done this before the rent was due.\n\nHowever, if you can't bounce back, see if the manager will allow you to sublet the apartment. Also, If you could find a qualified tennant to fill your apartment while you rent a room from someone else, maybe the apartment manager will not evict you and let you break the lease. \n\nAfter all is said and done, you are responsible for your own situation and problems. Your loss of emplyment and the status of transportation are only factors in your life, they do not relieve you of your responsibility (unless you're a democrat or a liberal, but that's another story). After all, I can't call up my bank and say "Yeah, I can't pay my mortgage on my apartment building this month because this tennant in unit #211 made some poor choices in her life. Yeah, she bought a Ford." I jest, but I hope you understand what I am saying.\n\nRegards...
62133
This might have specific information - The NYC Rent Guidelines Board http://www.housingnyc.com/html/guidelines/apt.html
270372
Talk to your landlord before the rent is too late.  Explain all the circumstances.  He should be understanding.  He would much rather have a filled apartment than a vacant one.  Offer to make a payment as soon as your husband gets paid.  If you've been late before, I doubt if you'll get the late fees waived, but it's worth a shot.  Those late fees do seem excessive to me.  I would check the rules in the state you live in and see if they are actually legal.\n\nGood luck
94020
If you can't do the "corporate living" thing, as I call all those credit history inquiries and criminal background checks because you're still struggling with getting your life straightened out, maybe you should try looking for residential alternatives at a college on the bulletin board in the student union, a church bulletin board, or even a community bulletin board which could be at a grocery store, or even the lobby of the public library.  \n\nWhen it comes to finding a place to live, it has been my experience that word of mouth is the best form of advertisement.  All you have to do is let people know you're looking.  Shucks, there's "always" someone who's uncle or brother-in-law owns a place here, or has a loft apartment above their hardware store or something like that.  As long as you're not a bad tenant, there would be nothing for you to worry about in a situation like THAT!  *Phew!*\n\nAnyway, getting back to what I was saying before about the bulletin boards and stuff...  Often times, people who make use of these bulletin boards are private property owners who frequently don't want to hassle with all the paperwork involved in screening applicants, AND who might be willing to work with someone like yourself, because the fact is, you've got to live somewhere, right?  \n\nSo, don't be discouraged because your credit history is somewhat less than perfect.  Take a creative approach to apartment/house hunting and don't forget to inquire among your friends, family and co-workers.  You might be missing out on a pleasant little ponderosa!\n\nGood luck!
458702
I think they're looking for liens and tax problems.  I had TERRIBLE credit following a layoff and have never have any problems. Banks are a little different because they have to bond you, but I think you can relax.
108215
Go to the link below and get a copy of his credit report.  See if there is any hits on it.\n\nWithout looking at the lease I can't say if he is legally obligated to pay.  \n\nAlso, many landlords have their own "local" credit reporting systems through a "landlords association".  That may be why you are not able to get into another apartment in your area.    \n\nIf you are denied credit (or a lease) due to a credit report, the law says they must supply you with the source, and you are allowed a free copy of that report so you can dispute anything in it.
86638
Your in luck, we are a direct lender and also broker.  I have done many loans for people that have bad credit.  The normal banks you walk into will turn you down for any reason they want. I have lenders that look at other factors besides your credit.  Contact me at www.xclusivefinancial.com
475702
look in newspaper, craigslist.com and other places for apartments that aren't rented by large corporation or apt. business's.\n\naverage joe who is renting will not likely do a credit check and just your personality will seal the lease for you.\n\nalso don't mention any of your hard times from the past as words not spoken cannot harm you.
554230
Its totally up to the both of you mike,renting a place IS dead money,you are correct,its a fact--a mortgage though is a millstone around the neck--another fact,so really,you're fecked if you do,you're fecked if you dont,fecked if i know the answer to that one!!Then you have the patter of tiny feet to consider in the future,and everyone knows how costly those little feckers are...very!! Wish you all the best in whatever you decide mike,i know its not easy-decisions,decisions,decisions:-/
202292
The law most likely says that you cannot. Often times, you must be 18 or older to find a place to live or have utilities. Then most places have a credit check...odds are that you have none.
21226
Your credit score isn't all that bad considering the national averages.\n\nHowever, you have some other options besides outright purchasing a home for sale:\n\n1. Lease Option or Rent-to-Own: Look for these advertised in the classifieds, that allow you to rent a house for a certain term (like 1 to 3 years), where some or all of your rent goes toward the purchase price. Then, when you're ready (you should repair your credit during this time), you can purchase the house. Part of your down payment will already have been paid.\n\n2. Talk to the Fair Housing Administration (FHA - http://www.fha.gov) about HUD loans for low-income and not-so-good-credit individuals.\n\n3. Look into purchasing a foreclosed home at an auction.\n\n4. Ask a close friend or family member with good credit to co-sign your mortgage.\n\n5. See if anyone is advertising "seller financing" or "owner financing", in which the seller will allow you to make mortgage payments directly to them.\n\n-----------------\nUpdate: DO NOT apply for an interest-only loan. You will be severely hit with a balloon payment down the line, or higher payments, or at the very least you'll have to refinance and pay additional closing costs. Interest rates are rising, and you won't want to do that. Stay away from these!
98417
yes...some apartments might not even do a credit check or your boyfriends may be so good yours wont even matter...
108968
I also had poor credit, but bought my first home last year.  I went through a broker, instead of just getting a real estate agent.  He was able to find a bank that would give me a "statement loan".  That is where I had the money, just not the credit.  They used my bank statements from the past year and seen that I had enough money to make house payments, and I was even able to get first time home buyer program, 0 money down, and the sellers paid the closing costs.  There are ways, but my best way was to go through a Broker, who was able to help me tremendously!
35594
If you have no credit, its almost like having bad credit. Nobody will want to finance you because you have no history. Your best bet would be to go for a HUD home. They will build a home for you or give you a standing home in good condition and they will work out a payment that meets your budget. It was designed for people in simaler postitions. There is also Section 8 houseing that you can look into. There are probably waiting lists for them. Other than that you could get a realitor to point you in the right direction.
585061
Where in NYC? All co-ops are good investments. The only downfall is you have a limited number of lenders that will give you a mtg. You cant have a 2nd mtg. With co-ops they require 10-20% down. This depends on the boards requirements.\n\nA sponser apt is a good way to get into a co-op because they are more flexibe due to the fact that its a contractor that currently owns the unit and wants to get rid of it asap due to upgrade renovations. He is will do sell the unit at 5% down as a example.\n\nprevious co-op owner