What is the average credit score needed to rent an apartment in GA?
153413
Depends on the apartment, price and area.  Something in Dunwoody, probably about 500 - Acworth 400 and Buckhead about 550.\n\nTry to reask your question with an area in mind.
500939
For auto loans a score of 550 will be the minimum to get somewhat normal interest rate. If you have a credit score of 680 or better you will qualify for low rates. Check into your local credit union, they usually have better rates and terms than traditional banks.\n\nIf you go to the dealer for financing they may use an Auto Enhanced FICO credit score which is a specialized credit score that takes into account your past performance on auto loans & leases.\n\nGood Luck
989639
To keep it sweet and simple.  It is going to depend on your Debt to Income (the amount of bills going out to the amount of money coming in).  This should not exceed 55%.  Take a look at your Credit.  Keep in mind that most lenders go off of a middle score and some average them, or few will give you a morgage with no scores.  620 score or above will give you 100% financing no money down depending on the amount of activity with a lower interest rate.  Pay attention to back end lender points.  Some brokers will make more money the higher the interest rate they can talk you into.  If you fall under those guidelines then give it a shot.  Also if you have filed bankruptcy make sure that you are at least two years out of it.  And last, make sure that you have 12 months cancelled checks on your previous rental and you have 2 years of work history with w-2s and 2 years of address history.  Not critical but will really help you and the broker.  Thats basically it.  Good luck.
212006
Most complexes run one but some don't count medical.If it's a past landlord try to make it right with them.Check your credit and see what is holding you back.You might be able to pay the first 6 mos. or so to get past it.Tell the office up front that you have bad credit and see if they offer advice.Ask if you have a co-signer if it would help.Try a private owner.Ask your current landlord for a reference letter.Call the housing commission in your area.There is usually one place that will help you out but make sure you appreciate it.  Good Luck!
183973
You would probably have to start out with a secured card, or try getting a store card to build a credit score.  Then as long as your credit score is good you can get one almost anywhere.
339137
Yes - look into FHA loans. For most loans you need a valid credit score which means at least 3 open credit accounts. If you can't get a credit card it is unlikely you have 3 credit accounts.\n\nFHA let's demonstrate credit by using utility bills, car insurance, rent, a monthly deposit to a savings account, etc. \n\nIf you use these forms of "alternative credit" you need to make sure you have a minimum of 12 months of paying on time.\n\nYour score could go as low as 550 for FHA
1046543
Why would you want to buy a house when you probably have a bit of debt that needs to be paid off first?\n\nAnyways, you usually need a mid-score of at least 560.\n\nOh, and Ameridream is a down-payment assistance program...it's to help low-income households buy houses, not people who have ruined their credit.  With Ameridream, you still have to qualify for a mortgage that allows down-payment assistance...
719056
Here ya go:  http://www.apartments.com/Results.aspx?page=results&state=ny&rgn2=78&helicon=0&area1=y&subarea1=y&subarea2=y&subarea3=y&prvpg=5&Rent_Minimum=0&Rent_Maximum=99999\n\nHere is an additional site:  http://www.rentwave.com/guest/guest_results_db.html?vacancy_state=15&MinRent=&MaxRent=1500&ShowRoommates=NO&community=63&action1=continue+%3E%3E&type=APA&go_community=yes
383539
Subprime starts at a 500 mid score.\n\nThe par rates that you see in the newspaper are for 80% or less loans with a 620 or better score without excessive debt or bad payment history.\n\nFor higher loan to value (LTV) loans the average is about 680 for the normal going rates.\n\nYour average credit score will have to match the program that you are applying for... but if you have a score about 675 without any mortgage or rental payment lates in the past 12-24 months, don't have excessive monthly payments on credit cards and car payments... you'll approve for just about all mortgage programs...
338135
Direct answer to your questions is, "Yes".\nHowever, lower credit rating and outstanding debt will limit you in where and what type of property this person can rent.\n\nThere are a number of factors that goes into renting a property such as;\n- type of property, \n- monthly rent,\n- expected income stream and level of tenant, \n- monthly loan payments,\n- credit rating,\n- tenant's personality,\n- number of dependents, etc.\n\nSo, just because you have a not-so-good credit rating and a loan, it may limit you in what type of place you could potentially rent, but it will not eliminate you from renting a property itself.
400564
Everything that you buy on credit or when to open the account you need to provide your social security number to do a credit check (not only credit card but even the utility bills or cell phone)gets reported to the credit bureau. If you have a report against you that means they reported a late (over 30 days) payment. I know that you do not like to hear this but if you have a late payment over 30 days, that gets reported and affects your credit score. If you only have one payment over 30 days it's not that bad though. Your credit score number gets lowered and the lower the number the higher the interest rate when you apply for credit in the future and if you have missed payments with a pattern of late (30 days or worst, 60 days) payments you might not be able to obtain jobs in certain fields or rent an apartment not to mention obtaining credit... Advice is be as conservative as you can from now on. It is not relevant to pay more than the minimum required amount on a credit card or other loan, so do not think that this help in any way. What is important is to send the payments religiously before the due date ( mail it at least 5 days in advance) or pay by phone or Inet and if it happens that you passed the due date, as long as it is before they issue a new statement, and is under 30 days, pay it even though with penalties. Hope this explanation helps you.
770819
350 is the theoretical lowest, but with years in the finance business I have never seen a score below about 400.\n\nIf you have a score under 500 your not going to get any type of credit.  You'll need a 580 to get a home with no money down and a high interest rate.\n\nAt 620, you'll start to qualify for conventional home financing, possibly with no money down, depending on your area and situation.\n\nAt 680, you'll get 100% home financing pretty easily, but at 720 you'll be nearly assured of it.\n\nOver 720 in home financing is steller credit and you'll be able to get just about anything you desire.
250269
Not too good.  You should need a score of around 700+ to get the best rates.  The other answers are correct-probably 8-10%.
546969
Talk to the apartment managers...they can help a lot...call the utilitiy companies...they can give you rough estimates
833397
Depending on what other bills you might have, I would consider buying a house instead of renting.  Even with a 578 mid score on your credit, you could qualify for 100% financing.
54604
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!
866593
Those rent-a-center places will be lenient on the credit and get you approved to rent to own. It's expensive that way but doable.\n\nOr- check your local classifieds. ask your family for cash for Christmas instead of gifts. Then just buy one.\n\nSome stores offer in-store credit too. Try MicroCenter. Their ad this week had a laptop for under $300.