How do you go about renting an apartment in the Chattanooga, Tn area with a bad credit report?
928339
One idea is to pay some of the rent in advance to reduce the risk to the landlord. If you pay rent in advance, you're less likely to skip out, which is what the landlord is concerned about.\n\nAnother idea is to have a previous landlord write you a letter of recommendation if you had a good experience with the previous landlord.\n\nFor your credit report, you're entitled to add a 25 word explanation that stays with the credit report. The explanation outlines the reasons for your credit problems, and any prospective landlord can read the reason for the problems. If you don't have time to do that, write your own letter of explanation to give to the landlords. With a good explanation, and a plan of how you can pay the rent, the landlord may consider it.\n\nGood luck.
625098
What is your definition of terrible? There is always a loan out there but getting it can require out of pocket funds to qualify. If your credit is really bad most lenders will not finance a 100% purchase so you'll need to come into the deal with funds for the down-payment and closing costs.\n\nGive me a call or drop me an e-mail and we can go over your specific scenario.\n\nKruorock@firstratelending.com\n866-562-6838 x 106
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.
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.
985417
How do you rent now? all the landlords first look for credit check.Those who had constructed House or Apartment bldg will like to rent out,by offering a selected terms,One month free rent or something like that  so if they rent it out,they could look for another property development.Say to day you have a good credit..what if after renting if your points goes to lower level-Is the Landlord going to force you to  vacant the apartments.
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.
1055043
Some employers interpret "bad credit" as a sign of irresponsibility.\n\nThere are many employers/jobs that will check your credit.\n\nMy cousin missed out on a correction officer's job because of bad credit.\n\nAt any rate, start working on cleaning up your credit now.\n\nYou don't need an agency.  You can call creditors, explain your situation, make a payment plan, ask for interest relief, etc.\n\nMany people have debt.  To have debt and to have bad credit is not one and the same.\n\nBad credit means you don't pay your bills, borrow or spend more than you can pay, etc.
683279
your best bet will be nashville its only little bit away from chattanooga. go on the internet and google them
767186
Not nearly as quickly as gets torn down.  \n\nSounds like you're off to a good start.  Just keep on keepin on, and maybe pick up another line of credit, like furniture.  \n\nThere are several ingredients for great credit: \n\n- Depth of credit.  10 years of great payment history is preferable to 1 year\n\n- Quality of credit: Installment credit is better than revovling credit.  Installment is taking a loan out on a something (boat, car, land, house, etc) and revolving is credit card debt (store cards being the worst) \n\n- Debt to income is another consideration.  If you have $4000 going out in credit, you need $8 - $10k comming in.  \n\nProbably the best thing you could do for your credit right now, is to buy some furniture or better yet, a piece of property somewhere for about 10-20k.
89226
Try www.rentacoder.com
982090
Yes, you can by  asking the credit bureau, the best thing is \napply for a credit card if they approved you it means you do have a good credit and if not it means you have a bad credit.
734853
Yes actually you can. My roommate and I got an apartment with NO credit. You simply have to make the security deposit, plus first and last month's rent in most places. Talk to the manager and be upfront about it. You can also use a co-signer...Someone who trusts you and will let you use their credit.
213903
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
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.
571398
i don't no how your state works but here in south carolina they don't sue you they just put it on your credit which in some ways are worse than being sued you will never be able to rent again and if the people you are buying your house from happens to call that landlord chances are you may not get your home if i was you i would go talk to the landlord and make some arrangements to pay him and if you have a lease you can be charged for breaking that lease that again is another reason to talk to him also tell him that your house is falling apart put it in writing and take pictures that may help you some and if he is a butt talk to the regional manager explain it all to her or him ,trust me they have the ups on you if they take you to court you will lose i use to manage a 120 unit apartment complex and this is how we did things ,its not worth destroying your credit
1119001
Depending on the results of your criminal background check, and previous rental history, you could offer to pay a month ahead. For example, when you move in, pay the deposit, the first AND second month's rent. When the second month rolls around, pay the third month, etc.  You can agree that if you fall behind you will move immediately and leave the place spotless.  Many apartment managers would rather rent the apartment to someone willing to show good faith and then follow through than leave it vacant.
30136
i am in the same boat as you. far as i can tell right now you have to go and pay all the bills that got you bad credit and then go and like finance something or get a contract cell phone or get a small loan. something to build the credit back up. but that is all i can figure right now.