How do you find a reasonable apartment with a bankruptcy on your credit report?
371205
When you first contact them let them know you have the bankruptcy and ask them if it will be a problem.  If they tell you they don't usually rent to people with bankruptcy move on.\nAlso you may have establish a history with a large complex or rental company and work your way up the list.
59808
First, I'd take the girlfriend to small claims court to get her to pay her fair share of the debts. \n\nSecond, find your nearest office of Consumer Credit Counseling Services.  They can help you with a debt management plan, including lowering your interest rates on many types of unsecured debt, such as credit cards.  (They cannot help with automobile leases, or home loans.)  For unsecured debt, they will consolidate it into one monthly payment and you pay them directly.  An advantage of using them is that the creditor calls STOP. \n\nOne word of caution: when you find a credit counselor, find one that is "nonprofit", which is different from "not for profit".  Some places have names that sound like Consumer Credit Counseling Services, but they charge big fees, and sometimes they can get you into more trouble than you're already in because they are NOT legit.  Before you pay anyone anything, check them out with your local BBB first.\n\nBankruptcy will not make everything go away - with the new laws that took effect October 1, 2005, you have a bigger percentage of debts you must pay - plus it stays on your credit for 10 years.  I'd avoid it if at all possible.  Bankruptcy CAN make it harder for you to get jobs, apartments or a home loan.
662089
usually a apartment only looks at poast rental history unless your completly dreogatory in every open account.\n\nbut its a personal thign based on thier discretion you can have a 720 and they still may not like something on your report. (no industry standard)
516634
First, I'm not a lawyer.  I was a legal secretary for sixteen years, but never worked in the field of bankruptcy.  I speak as someone who has done it.\n\nBankruptcy does more than ruin your credit rating, although it definitely does that.  It can ruin your self-respect, too.  The fact is, honorable people do not understand how anyone can ask the court to be "forgiven" of their debts, because it is not the court that loses, it is the creditors.  So quite apart from getting credit (and it doesn't matter what country you are in; the credit reporting is international now), you will find many people will not trust you at all, and will not respect you at all, if you declare bankruptcy.\n\nBut you can ask the real estate agent who has your place up for sale what he recommends you do.  Many times the most sensible thing is to pay just the interest on the mortgage, hold on, and wait for the prices to go back up.  You might ask the agent to contact the mortgage holder on your behalf, explain the situation, and see what they say.  Since the down-turn may well be temporary, since you are a veteran and at least partly disabled, there may well be sympathy for your position, and may even be government programs to assist.\n\nYou don't want to lose money selling the place at a loss, but you will clearly lose the place and all the money you have in it already if you just let it go and do nothing.  The mortgage company would then be forced to foreclose, and you'll probably never see another penny.\n\nGet some serious advice before you make such an important decision.  Since you are a veteran, there are probably VA people you can talk to.  Being an American in Korea, the embassy would seem to be the most likely place to start asking questions.  Just ask them who you should talk to about such a problem.  There may even be a Korean bank you are banking with now that would be interested in assisting you on the reasonable belief that the market will recover soon enough for them to get back what they loan you.\n\nPlease consider bankruptcy the very last option, once all others have been investigated.  You owe that to yourself.
334203
Once your bankruptcy is cleared, make sure that the credit reporting agencies, all 3 of them delete the bankruptcy completely from your credit report. Do not have alot of inquiries on your credit report, (ie: credit card applications, new car applications, furniture etc.) Inquiries lower your score. Alot of places want to run credit reports on you when u go to buy something, DON'T LET THEM UNLESS U REALLY THINK U MAY BUY FROM THEM. Always pay your bills on time, in advance or completely off as soon as u can. All of this looks good on a credit report. It will take awhile for your report score to go up, but remember when it does go up, the better rates you will get on almost anything u would want to buy especially the really big purchases car or house.
127962
You are on the hook if you signed.  \n\nIf you don't want to file bankruptcy, then you need to find someone to Sub-let the space.  The landlord cannot reasonably turn down a viable sublessee, however, you may still be on the hook for the remaining term.\n\nRead the terms of your lease. Yes, it's a book you never read before, but now is a good time.\n\nIf you want good information as it relates to your personal position, you really need to seek legal advice from an attorney.  Money well spent if you are trying to preserve assets, and if you have a complicated financial situation.\n\nYour call.
1146659
Living with debt or bad credit can be very stressful, but help is closer than you realize. Improving your credit rating requires that you take positive action and change your attitude toward money. \n \n   \n  Steps:  \n1.   Request a copy of your credit report from a credit bureau. If there is an error, write to the bureau and ask it to fix the mistake. It might also help to contact the creditor who reported the error. Some creditors will contact the bureau on your behalf.  \n  \n2.   If the bad marks on your credit report result from outstanding debts, repay them as quickly as possible. Pay off those with the highest interest rates first.  \n  \n3.   If your debts are overwhelming, contact a nonprofit credit-counseling organization to work out a debt-consolidation plan. A counselor will help you consolidate your debts and will contact your debtors on your behalf to reduce or eliminate finance charges. This can reduce your monthly payments by up to 40 percent.  \n  \n4.   Steer clear of any services that offer you credit-repair or debt-consolidation loans. These companies will plunge you further into debt. Be suspicious of any company that advertises aggressively or sends unsolicited mail or e-mail.  \n  \n5.   Close your credit accounts and cut up the cards. Sell valuables or liquidate assets that will help you repay your debts. Buy the bare essentials (food and gas) and use the rest of your earnings to pay off your consolidated debts.  \n  \n6.   Work with your credit counselor to repay all of your debts. Meanwhile, live a life that will help you re-establish good credit. Pay rent and utilities or mortgages promptly, keep the same residence and job, maintain savings and checking accounts, set a budget and stick to it.  \n  \n7.   Once you have repaid your debts, apply for a new credit card to build a good credit history. It might be easier initially to get a department-store or gasoline credit card or one from an employee credit union.  \n  \n8.   Promptly pay off the balance of the credit card monthly to build good credit. Use the card responsibly.  \n  \n9.   If you don't qualify for a regular credit card, apply for a secured one. With a secured credit card, you fund an account up front and then "charge" expenses on it. This card will show up as a credit card on your credit report and, if used responsibly, can help you build a good credit history.  \n  \n  \n  Overall Tips:  \n Get a copy of your credit report once a year even if you think you have good credit. You may find errors that will damage your credit rating.  \n  \n Filing for bankruptcy is always an option, although your credit history will reflect it for 7 to 10 years, making it very difficult for you to get a car or home loan in the future.  \n  \n Creditors agree to reduce or eliminate interest rates under a debt-consolidation plan because it saves them the expense of collection efforts and increases their chances of recouping the balance.  \n  \n Every application you make for a credit card shows up on your credit report, and multiple applications can hurt your credit rating. To avoid this, use an online service that matches you with creditcard companies that will extend credit to you. Search online for "credit card finder" or "credit card search."  \n\nNo matter how bad your credit is, you can take steps that will make it better. \n  \n1.   Pay all of your bills on time. Late payments (payments that are 30 days late or more) have a negative effect on your credit rating.  \n  \n2.   Reduce the number of credit cards you carry. Write to your creditors to request that they close your accounts and report this status change to all three credit-reporting agencies.  \n  \n3.   Avoid bankruptcies, tax liens (a lien for not paying state or federal income taxes or property taxes) and collections. A bankruptcy stays on your credit report for up to 10 years. Collection accounts and paid tax liens stay on for seven years, and unpaid tax
80332
STOP!\n\nBefore you go to a "Non-Profit" Credit Counseling company, you need to know the facts.\n\nFirst though, why do you want to get credit relief this way.  Are you trying to avoid Bankruptcy?\n\nSecond, Why can't you do it yourself? At least try.\nHeres the rub, if you go to those counseling companies, the creditors put on your credit report, "Handled by a credit counselor" (Or something to that effect)  If you go to try and buy a home at some point, and that shows up, it is the EXACT SAME as a Bankruptcy. \n\nWhat I would do, is call your creditors, and try and negotiate with them, if you can.  Tell them you can pay 50 cents on the dollar as long as they will do a payment plan.  It may not work, but only go to those Credit Counseling Companies if you absolutely have to.\n\nBest Wishes.
230451
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!
985549
A lot of the time if you find a person to rent from rather then a company or apartment complex. I think that individual people that rent to people don't do as an extensive check as a complex would do. Also, if you were evicted, that means you probably owe the people $ where you were evicted from and that is going to look negatively on your rental history- so you might want to be sure to pay that off and stay with family or friends until you can do that.\n\n-EA
518459
I had to find a place that would work with me... Look for rentals that are offered by the owners, NOT a rental agent.  Gramma and Grandpa types are more likely to be flexible.  Rental companies have an average of 4-7 applications for each rental unit( apartment OR house).  Find a place that is owner-landlord, as long as you have the proper money and references, you will probably find a decent rental and start building a rental/credit history.  Good Luck!!
925813
Bankruptcy shoudl be a last resort! \n\nIf you have to file, then make sure you know what your getting into. \n\nHere are some very informative bankruptcy facts. \n\nhttp://www.expert-credit-advice.com/bankruptcy_facts.htm\n\n\nGood luck to you!
286073
If your name was on the lease, and the lease was terminated by eviction, then you were evicted.  It will reflect negatively in your credit report and/or background check.  It won't make it impossible for you to find an apartment, but certainly more difficult.  The more strikes you have against you, the fewer potential landlords will want to take a chance on you; you'd be considered a bad risk.  And even the potential landlords that will give you a chance will probably want a larger security deposit from you and possibly a co-signer.\n\nNow, this is just my understanding based upon my experiences watching personal friends deal with evictions and trying to rent with bad credit.  If you want to be doubly sure, you should talk to a lawyer and/or a real estate agent.
373652
There are five counties in NYC, Kings (Brooklyn), New York (Manhattan), Queens, the Bronx, and Richmond (Staten Island). If you can go to the Bankruptcy Courts they have a free computer you can search by name or Social Security number, but just for that county. If you can wait, you can get a Pacer number (apply online) that lets you look up bankruptcy and other court records. They mail you your account number, and you don't have to pay unless you use it a lot. Search for "Pacer" and "courts records" to get the application.
447746
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.
651008
You can have a thousand bankruptcy's on your record and still qualify for a loan.  Finding someone to loan it to you is the trick.\n\nIt depends on how many, and how much.  You can probably get a loan but the interest rate will be a little high.
881806
I filed for bankruptcy 4 years ago. I made payments to my lawyer. I couldn't really afford one payment. Some of them will offer a payment plan.check into it