can a bad credit report affect getting a new apartment?
99586
Not exactly if you are renting. If you can prove that you have a regular source of income such as paystubs, etc, you should be good to go.\n\nBut if you are buying.. it will impact ur ability to seek loans
510870
They can keep all of it simply by stating that there were repairs to the apartment that needed to be complete b4 renting. They usually wont give a list of damages that were repaired. Take pics of all rooms when moving in and b4 moving out. It works to your advantage.Good Luck.
995515
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...
173752
Keep applying for apartments from local landlords, not big apt complexes.  Hopefully u will eventually find a rookie landlord who doesnt check credit :)\n\nGood luck!
409361
A "bad credit score" is not necessarily all that "bad" for getting a house loan. HUD and FHA loans will give you a loan if you have the proper income and/or means to pay the loan, and their requirements are relatively low. With a score of 500 or more, you shouldn't have too many problems. \n\nAlso, to check what your score looks like, go to www.annualcreditreport.com and you can look at what your report looks like for free. You have the right to view all three of your reports once a year, more if you are declined credit. \n\nBest of luck to you!
1080943
No and I've gone through this before.  We went from apartment to apartment and because of our credit they would not rent to us. It's insane!!!  People with bad credit need a roof over their head too.  The rich just want all the non-rich to be homeless I think. It sucks.  We did get into a low income housing complex but because of our credit, out deposit alone was $800.00.  It's a nice place actually and I love living where I am but still.  It was hard getting in too.
877335
First, it IS NOT a lack of bad news that makes a good credit score. You dont want bad things on there, but if you dont create a new, good history, simply deleting the bad news does nothing. \n\nYour landlord would have to agree to report it and then do so. Howver VERY few do this-- its a hassle for them. Also, Rent is not a debt to be repaid-- it is paid monthly AS you use it, just like utilities, which are also not generally reported.
212790
It depends on what you mean as NO credit.  If you mean that you have bad credit, it can mean bad news (but not always).  If you mean that you are young and have no credit history you will be fine as long as you can either 1) show that you have income like check stubs or 2)if you have someone like a parent giving you the cash to pay for the rent have them cosign.
912502
Rent to own places usually do not report unless it is in default.  However if in need of credit try a department store card or even open an account at a furniture store.  Most financing there is easy to obtain with easy terms and the due report good and bad credit.  Lately dept. store cards IE. Sears, Wal-Mart etc. will easily give you an account if you have a major credit card IE Visa, Master Card.  I would steer clear of Rent-to-Own.  Those are more for people who have really really bad credit.  And even then they could probably restore their credit way before what ever they buy there is paid off.  Hope this helps and God bless you in making a good decision and establishing you credit.
136938
It is not very common for apartment complexes to report to the bureaus although not impossible. More than likely it will not come as the apartment complex itself but rather a possibility they will send it to collections (if it comes). 6 months is still pretty fresh. Keep your eye out for unknown collection activity in the future. I hope you have documentation to support your claim.
17431
You don't always have to go to a low-rent, not-so-good area to get an apartment with an eviction on your credit. \n\nYou can get apartments in reputable apartment complexes however they will normally charge you a higher deposit and may make you give them first, last and the deposit.\n\nBe up front about it with a rental agent and/or homeowner.  They'll be more likely to give you a break then if they find out about another way.
24797
Yes, no and maybe.  Nicer places will not look favorably on your credit.  Others may require a cosignor or a larger deposit.  In any case be up front and honest about your situation and ask for help.  Anyplace that doesn't want some form of guarantee might not be a good place to live.  If you live at home, I would suggest you stay there and work on improving your credit.  It's a poor excuse to fail to pay your credit accounts when you have no living expenses.
68960
Maybe.\n\nWhat lenders want is assurance that you can pay back the loan as agreed.  So, a lot will depend on\n\n1.  Income Tax filing for the last 3 years\n2.  Pay Check Stubs for the past 3 months\n3.  Longevity of employment\n4.  Debt / Income ratio\n\nYes, the credit report carries weight, for it says something about your debt load, and your payment performance in the past.  But, it's not the only thing that matters.\n\nMy advice is this.  Contact a real estate agent who has contact with many lenders.
50178
Your credit and the amount of money you'll need for a deposit and rent will all vary depending on the neighborhood and living quality of the apartments or rental home you choose. You should start with a newspaper.  The landlord or apartment manager could  give you a all of they're requirements as far as references and deposits. But you will definitely need at least one source of income. Hope this helped.
511076
This is an easy problem to fix, so if you are in need feel free to contact me and I'll guide you through it.\n\nI'm going to bet this is just a screw-up on the credit reporting agency's part.  They put this report into the wrong account.  When they don't have enough accurate information (like date of birth or Social Security number), it can easily be misfiled.\n\nIf you follow my instructions this should be taken care of quickly.  Call the electric company and explain the situation.  Talk to the supervisor, not one of the collection department idiots!  \n\nIMPORTANT!  Tell them that there is a report on your credit history stating you owe them money.  Tell them that it's incorrect, and that it is effecting your ability to rent an apartment or get other credit.  DEMAND that this be removed immediately.\n\nIf the supervisor has half a brain, he/she will realize that you have an excellent lawsuit against them for violating the Fair Credit Reporting Act, and they can be sued for damages resulting from this report.  They will then do a fast investigation and get this removed from your history within a few days.\n\nBut you need to cover your bases.  What happens if they drop the ball, and the listing still doesn't get removed.  \n\nYou need to follow the procedures set by the FCRA to protest this listing.  That involves getting a copy of your credit report from http://www.annualcreditreport.com and then protesting the negative report to each of the agencies.  Also send a "demand to validate" the debt to the electric company.  \n\nThe problem with this method is that it's time consuming, and could easily take a few months to complete.  \n\nSince I'm fairly convinced this is an honest mistake, I think calling them first will work.  But get those letters in the mail anyway.\n\nIf you still can not get these removed promptly, and you can prove they are incorrect, don't be afraid to sue them!  It's easy, and in your case you could easily get several thousand dollars in damages.  \n\nRead the links below.  Don't be afraid to get tough with them.  Contact me if you need help.
25041
As one attorney always told where is the foal? If this has hurt your credit, or damaged you from consideration for the new rental unit, you may have a case and my suggestion is to contact a an attorney who knows real estate law.\n\nGood luck
244969
I may be able to help you i use to be an apartment manager , once you are evicted your the balance you left behind goes to the credit agency to try an collect the money from you,it will show on your credit report until its paid off.Every time you fill an application out for another place to live that shows up,as well as the apartment manager calling to find out what sort of tennant you was and how the place you rented was left all this plays a big factor in renting.My suggestion to you is find out why you are being turned down you have the right to know and if you owe money you wont ever be able to rent again until the balance is paid.