Why is it so difficult to find a place to rent without having to have perfect credit?
924708
Talk to the manager right up front and explain the situation to them. You'll often find that they'll understand and work with you. Some may require a larger deposit but some won't. Being upfront with them will save a lot of time and will get their respect.
291694
Basically the same as pretty much anywhere else. You have to make at least two and half times the rent per month, not be convicted of a felony (most places have this rule, but there are a few that do not), you can't owe any other rental community any money or have any evictions on your credit, and you'll need at least one reference (landlord, another apt.) to verify you were a tenant and paid your rent...and that's basically all you'll need.
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
998269
Excellent question!  As a private investor, I know that there are people that own homes with the sole intention of renting them, that do not follow guidelines such as running credit checks and requesting renting referrals.  I do believe you have a better chance at renting a home than renting an apartment in a complex.  Apartment managers can be very diligent in ensuring they run credit, back ground, and renting history records; however, homes are generally owned by individual investors that are typically more interested in you accepting the rental terms than pursuing back ground investigations.
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.
786070
It is quite possible but by doing so you have all the onus of maintenance, references, rent collection, legal problems etc all on your shoulders. You really need to have a good contract drawn up by a solicitor (shorthold/assured/ etc)... references can be obtained from credit reference agencies at a cost... but this takes time as does advertising .... Independent inventories... independent adjudication in the event of problems.. and often if a tenant says they can't afford whatever... you as an individual feel more sorry for them than a letting agency....
598578
Being there a innumerable ways to begin establishing your credit and to buy a house with no credit established, I will offer you a couple ideas for both.\n1.The best way to purchase yourself a house with no established credit is either from an owner financed, lease to buy, or first time buyers program.Many people now are selling their own homes or purchasing homes and selling them as investment realty properties.Look in your local newspaper real estate section and contact owner financed offers,in these cases the owners carry the note and generally only want a down payment, and proof of income.Lease to buy offers you the opportunity to purchase by making lease payments to the owner and then deed the property in your name when the purchase price has been paid,in this case make sure lease payments are credited to the purchase price in the event you come into some money at some point and want to pay the full balance before the lease is up,bare in mind the lease option will have a shorter term.The FHA and VA offer first time buyer programs and many homes qualify, you can only use the first time buyer FHA once, to use this method contact a realty agent and tell them you are a first time buyer and want to go with a FHA qualified property , usually only proof of stable income and job history is needed as the government is trying to bolster the economy and help people buy a home.Department of HUD in your state is a great place to look for value properties that qualify for FHA loans.\n2.Establishing credit is not near as difficult as it once was,you of course must be over 18.Department store cards like Jc Penney, Sears, Dillard's, ect, are the easiest to get,many banks like orchard and household,and capitol one offer low limit starter cards too (visa & mc).Buying a car and making 6 -12 consecutive payments works well too.The best way is credit cards of any type that are unsecured,secured cards don't mean a thing.Be prepared to maybe pay a little higher interest rates or get lower limits to start with but that will immprove as you make payments.Be sure to make payments on time and at least minimum.Try to pay the balance every month, and never let your balance exceed 50% of your limit.You can also get loans at smaller loan companies like beneficial,american general and such if you have a car or something you can use as collateral,and then make your payments.The important thing is get them reporting good stuff about you to the credit bureaus.Remember your just trying to get in the game and as you build your credit history and score better rates and offers will start coming to you in the mail.Of course you must have a job or proof of income and stable history of at least 6 months to a year to do any of these things we've talked about.There are some ways around this but thats a little to creative to condense into a short yahoo answer.Good luck and try a few of these things they will work for you , we have all been there.
227176
try a department store card, or try something like rentway, with a department store credit card you can purchase something small every month and pay the full balance everymonth. by the time 3 months or so passes, once your credit is ran for a "credit Card" you should have an excellent paying history.  my younger sister was having a hard time too, she opened up a JC Penny card account and bought small things every month and paid the balance in full everymonth. 5 months later she got a mastercard.
325849
When you bankrupt, it shows poor history on paying bills. As a result, the owner of the complex does not want to take the risk. In many situations, you can get around this if you place a large deposit down. If you cannot do this, then the best bet is to look for a roommate. If this still does not fit your desire, then keep looking. There might be someone out there that will be willing to give you a try.
1164438
Stores like Sears or Best Buy offer store credit cards with much less strict credit requirements.  You might try getting a Sear charge card and making a few purchases to establish a credit history.
1019530
You'll have to ask them.  Most probably wouldn't for a single problem account, but every landlord has their own standards.
378055
You don't need credit if you can pay for the house in cash.  So, money is a pretty important requirement... you'll need it for the down payment if you're going to borrow, and if your credit is bad, you won't be able to get a loan.  Most lenders will also expect you to have a steady income, too.
587462
If you have bad credit, it's because you didn't pay money you owed in the past.  People don't want to lend money to someone who has shown they might not pay what they owe.\n\nBut you don't need perfect credit.  There are lots of places, with names like "family finance company" or some such, that specialize in lending money to people with not-so-good credit.  But there is a big catch--you will pay a very high interest rate if you go to one of those places.
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!
1092871
It is not a good idea to use your credit card numbers on anything! Under no circumstances should you ever give the entire credit card number. If the person that you wish to rent from wants to review your credit profile inform them that they need to pull your credit using an agency that completes background checks!!!
995600
Try www.prosper.com if you really want to borrow some money and a bank won't lend it to you.  However, if you are struggling just renting, it's unlikely you'd be able to make higher payments.  Try saving just a little bit of money - like 50$ a month in an account for a down payment.  Once you make it automatic, most people find they are able to do this and are able to move it up slowly.  Then you can check into first-time home buyers programs in your state, which can help you get a loan with as little as 3% down payment.  Check out the department of housing and urban developments info: http://www.hud.gov/buying/index.cfm
980450
Try some renting agencies in the town.  Can be expensive and charge you extras but it will give you an idea of what is available and the kinds of prices in the area.  Also check the local papers - both free and paid for and have a look - you will often find better deals in the paper.  I've always rented directly from the owner and if you are careful about the owner and check that they don't have loads of properties it's much easier.  If you get a 'serial' landlord they won't bother to fix anything and can be really tricky to deal with.  Best thing is go have a look at a few properties in your price rang and out of it just to see what they are like and get a feel for waht you want and what to pay - take someone with you.