So, is it impossible to get and apartment in NYC when you have bad credit?

[Nikki0417]

Originally Posted by likeminas

If you're gonna work for M$ in KS, why would you wanna move to NYC?
You better off staying there and saving as much money as you can, as I'm sure the COL is much lower there.

Haha, well as much as I love working with computers and technology, I want to pursue a more creative position with illustration or digital art. I don't see that happening with Microsoft unless I got a job with their creative team. A lot of the creative jobs I come across are all located in NYC or LA. I've been to NYC about 15 times since I was a kid, and it's always been one of the places I've wanted to live at some point.

Originally Posted by LizfromtheBronx

It sounds like you don't actually have BAD credit, you just don't have much credit. Are there negative marks on your report? If not, then as long as you have a job, you should be ok.

There is some debt from an old credit card I no longer use (it was supposed to be for emergencies, too; guess that's what happens when you give a naive 18-year-old her first taste of "big people money"). But other than that, most of the information on my report is all related to student loans.

[Doobage]

Originally Posted by Nikki0417

There is some debt from an old credit card I no longer use (it was supposed to be for emergencies, too; guess that's what happens when you give a naive 18-year-old her first taste of "big people money"). But other than that, most of the information on my report is all related to student loans.

I was going to ask if there's anything besides student loans on your credit report, because I have student loans as well and my credit is very good. After graduation there's usually a grace period and depending on where your loans came from, you might be able to defer payment if you don't have a job yet. Doing that didn't hurt me when I needed to.

The first thing to do to improve your credit is to pay off that credit card debt.