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(This message was added in version 6.7.0.) in /home/uxbgwwtg/public_html/wp-includes/functions.php on line 6114Finding an apartment without a leasing councilor is difficult at times, not only is it time consuming but also costly to drive to, That’s not including the money needed for application fees and background checks.\u00a0 <\/strong><\/span><\/em><\/p>\n We can get you many listings in the area you would want to rent while at the same time helping you avoid unnecessary expenses.<\/strong><\/span><\/em><\/p>\n You may be having issues getting turned down at places you would love to live at.\u00a0 This could probably be because, most places want to do a background and credit check charging as much as $160 per inquiry, not only does that add up quickly, you may also see that credit score goes down on each inquiry.\u00a0\u00a0 We show you how to avoid having to do a credit check and can even call ahead to help you get into your new apartment or house rental.<\/strong><\/span><\/em><\/p>\n Factors to Consider When Renting with Bad Credit.<\/strong><\/span><\/em><\/p>\n You may be able to rent an apartment with bad credit, but there are still a few factors you need to consider before moving forward.<\/strong><\/span><\/em><\/p>\n You May Have to Pay More Upfront.<\/span><\/strong><\/span><\/em><\/p>\n This could be in terms of your security deposit or even paying a couple months in advance. Let\u2019s say you don\u2019t have a rental history, that could be a red flag for landlords. It may put them at ease if you agree to pay the first few months in full before moving in.<\/strong><\/span><\/em><\/p>\n Increasing your security deposit is another option. This route is more enticing to the landlord because it adds an extra bit of financial security in case you were to back out of the lease.<\/strong><\/span><\/em><\/p>\n Avoid Apartments That Require Credit Checks.<\/span><\/strong><\/span><\/em><\/p>\n This seems pretty obvious, right? If you have bad credit, only apply to places that don\u2019t require credit checks. You may find that your options are limited, but you can start by checking out websites such as Craigslist or the classifieds section of the newspaper. Many owners place advertisements in these sections and usually clarify whether or not they require a credit check.<\/strong><\/span><\/em><\/p>\n Budget Extra Time for Your Apartment Search.<\/strong><\/span><\/em><\/p>\n If you have poor credit, you may want to factor in additional time for your search. Finding a suitable apartment that will accept your application could take time.<\/strong><\/span><\/em><\/p>\n You don\u2019t want to be put in a situation where you have to accept a higher rent payment because you\u2019re out of time and have to move. The more research you do, the more options you will have, to make the best decision possible.<\/strong><\/span><\/em><\/p>\n Options for Renting with Bad Credit<\/strong><\/span><\/em><\/p>\n Don\u2019t get discouraged! There are plenty of options for renting an apartment with little to no credit. It may just require a little more effort.<\/strong><\/span><\/em><\/p>\n Seek a Co-Signer for Your Contract<\/strong><\/span><\/em><\/p>\n If you feel that your credit score is unsatisfactory, find someone to co-sign with you. Considering you believe your own score isn\u2019t very good, it might be difficult to find someone to\u00a0co-sign<\/a>\u00a0with you, but it\u2019s worth a shot.<\/strong><\/span><\/em><\/p>\n If you go this route, keep in mind that if you miss rent payments, the co-signer is liable for your payments. This could put negative remarks on the co-signer\u2019s credit if something were to go wrong. This is the risk co-signers take when they accept this responsibility.<\/strong><\/span><\/em><\/p>\n Negotiate Your Contract<\/strong><\/span><\/em><\/p>\n Remember, everything is negotiable. Landlords want to fill their space. The longer it remains vacant, the longer they aren\u2019t receiving funds for the property.<\/strong><\/span><\/em><\/p>\n Before you begin negotiations, call the landlord or rental office and understand what\u2019s required in order to rent the apartment. By understanding the requirements, you can\u00a0better negotiate terms<\/a>\u00a0for the contract. Doing your homework in advance could give you the extra information needed when negotiating your contract.<\/strong><\/span><\/em><\/p>\n Get Letters of Recommendation<\/strong><\/span><\/em><\/p>\n Just like with references for a job, it\u2019s beneficial when people can vouch for you. Contact people with whom you\u2019ve had a successful financial relationship, such as your bank or previous landlords. Obviously, don\u2019t list any references that you missed payments with since that might not help your case.<\/strong><\/span><\/em><\/p>\n This shows the landlord that you are willing to go the extra mile to get the apartment.<\/strong><\/span><\/em><\/p>\n Options for Renting with Bad Credit, No Co-Signer and Low Income<\/strong><\/span><\/em><\/p>\n If no one will come to your rescue to write a reference letter or co-sign your contract, there are still several options you can pursue to find the apartment of your dreams.<\/strong><\/span><\/em><\/p>\n Search Outside the City Limits<\/strong><\/span><\/em><\/p>\n Apartments within the city are more sought after than outside the city limits. Look for different neighborhoods that may not be as competitive. If you are OK with commuting a little bit farther to work, you may be more successful.<\/strong><\/span><\/em><\/p>\n Consider a Roommate<\/strong><\/span><\/em><\/p>\n This may not be your first choice, but it could give you time to build your credit and find another apartment in the near future. If you can find a roommate with good credit, have their credit score pulled instead of yours. Then you could sublease directly from your roommate.<\/strong><\/span><\/em><\/p>\n The other option could be to move in with someone who is seeking a roommate. They may have an extra bedroom they are trying to fill to make a little extra cash or subsidize their rent payments. You could ask your friends and family or search on a website, such as Craigslist.<\/strong><\/span><\/em><\/p>\n Having poor or no credit is not the end of the world. You will be able to find an apartment to meet your needs. In the meantime, work towards increasing your credit<\/a>\u00a0<\/u>and maybe next time you won\u2019t have to jump through hoops to get the home or rental of your dreams.<\/strong><\/span><\/em><\/p>\n