Even if you have bad credit, you can still find ways to rent an apartment or a home. Here are some ideas for getting around your credit problems.
- Skill level:
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Things you need
- Credit Reports
- Writing Pens
Obtain a copy of your credit report so that you know exactly what your credit problems are.
Write a simple letter of explanation for all negative remarks in your file. Landlords may be more willing to rent to you if they understand your financial background.
Offer a larger deposit. Landlords may be willing to assume more risk if they get more money up front.
Offer to increase the amount of rent you will pay.
Find a co-signer for your lease.
Offer to do work to improve the property's condition or appearance.
Provide a list of references who can vouch for your credibility.
Offer to allow landlords to see the property you are currently living in so they can be assured you'll take equally good of care of their property. (They probably won't take you up on this, but it leaves a good impression.)
Tips and warnings
- When meeting with a landlord or rental agency, dress professionally. It will leave a good impression and might just tip the scales in your favor. The idea here is that if you look nice, you'll probably keep the property looking nice too.