Not everyone has great credit. As a matter of fact, a great many people don't even have good credit. Bad credit is becoming more common all the time, and it's important to know how to get around that obstacle when you need a place to live. Not all landlords will check your credit, but some will, and it's best to be prepared.
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Things you need
- Pay stubs
- Copy of current bills, showing paid
- 2-month security deposit
Make sure that your bills are paid on time, and that it reflects on at least three of your bills. Cable, telephone, utility--it doesn't matter. You'll be showing these bills to prospective landlords to prove that you are willing and able to pay your bills on time if they rent to you.
Offer to pay a double security deposit. By offering to pay more, you show the landlord that you are financially secure enough to afford the rental property.
Show your pay stub. The most current one is the best option. During the previous two pay periods, work as much overtime as possible so that you can make the pay stub look as good as possible. The more money you make, the less likely the landlord is to look at your credit.
Tips and warnings
- Padding your pay stub is always a good idea. It shows the landlord that if things get a little tight financially, you can work overtime to make up the difference.
- Never lie about your credit. Credit checks are easy for landlords to obtain, and while they may rent to someone who is financially unstable, they certainly won't rent to a liar.