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Old 06-22-2009, 10:01 PM
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Default How hard is it to rent with fair/bad credit

We will be moving to Portland soon and will be renting. My credit is fair/bad and my husband's credit is good . Any suggestions would be appreciated.
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Old 06-23-2009, 05:13 AM
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If he can't fly solo on the application, obtain your credit report so you know exactly how things are reporting TODAY. Recent blemishes, even up to 60 days old, sometimes don't show up on a report when pulled. Of course, residential pay history will be a big swing factor for you.

What do you want to rent? A condo or apartment managed by a company might be tougher than something rented by an individual with whom you could meet and explain your human experience.

I had success using Craigslist, the "housing wanted" section, and I just laid it on the line in the post. I got several understanding replies.

If you are looking to rent a house, your prospective landlord might be in a terrible situation with their investment property(ies) due to the economy, and your deposit + 1st/last month payment might actually be saving their butt.

Get the credit report. Be up front. Your credit might not be nearly as bad as you think, especially if your husband's is good. In this market, you are in a position of greater strength than you might think.
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Old 06-23-2009, 10:41 AM
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Thanks for the helpful response. I will take your advice.
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