First Time Renter Not Perfect Credit (apartment complex, condo, credit card)

[brokenheartpanda]

Hi,

I am looking for an apartment closer to work (midtown).

I will be a first time renter but I'm worried about getting denied.

I have no rental history and my credit score is 620 (student loans, credit card, car note).

I have a stable job with a 6 figure income.

Since this is my first time I'm worried that I won't get approved and don't want to embarrass myself.

Will I have a hard time getting approved? Thanks

[HoustonRonnie]

No.

[TY2012]

No. You shouldn't have any problems. Your credit score isn't bad.

[likeeveryoneelse]

maybe try renting from a private landlord.
Skip the big condo places from overpriced corporations, or the huge apartment complexes. Just drive around a bit and look for some smaller old houses turned into apartments, or just places with "for rent" signs up in the areas you want.
youll be surprised at how much youll find. And many times, you can deal directly with the owner/manager face to face, and not have to rely so heavily on your "numbers".

i rent a small apt. 10 minutes from midtown (or less, depending on the time of day), and its in an older house from some guy who only owns this building. he didnt even run my credit or anything. cash is king.

[jtothemak]

Renting at a typical apartment complex they look at totally different factors of your credit. It is more about income vs bills and how easily you can afford the rent. Worse case with what you have said you might have to put an extra deposit down.

[City Love]

With a stable job and six figure income, I'd imagine you have quite the savings. That will go a long way in showing your financially stability. If you have any problem, offer to pay double deposit. Your credit score should be fine for most property managers.