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It would be my luck that we found a house to rent, and submitted the application on a Friday of a holiday weekend.
So, soothe my nerves please, or keep me from getting my hopes up.
Hubby and I have 'okay' credit. A few late payments on credit cards (no missed payments, just late). Pretty high balances.
But... no criminal or legal issues. Solid rental history, him for about 3-4 years, me for over 15, but my long-term landlord from years ago will most likely refuse to even fill out a request (slumlords, totally). I'm moving to an area with no job lined up yet, but hubby will have a job paying weekly, about 92% of the monthly rent. He works for the federal government, we're a family of four, and looking for a long term lease, which is apparently attractive to the landlord.
Will the less than stellar credit cost us the rental? Would you rent to us with the above info?
Will the less than stellar credit cost us the rental? Would you rent to us with the above info?
Depends on the home. We have 2 standard rental homes that we understand attract folks like you that might have a few credit issues and we take the risk.
But I also have my sons very nice home we lease while he's out of state. I'm much more selective in who I rent that home too, you would be marginal for this home.
So for the average rental home you are probably good to go.
Most landlords are seeing bad credit on a regular basis in this economy. You mentioned that you have "okay" credit so it should not be a problem.
What most landlords look for are problem tenants (evictions, late payers, people who consistently miss their obligations). Those are the ones that get rejected.
Do not be shy about discussing your situation with the landlord/property manager. They hate when you hide problems.
For most of our rentals you would qualify. For the high end rentals you won't...but that is probably not what you are looking for, so the answer would be "yes'.
Depends on the home. We have 2 standard rental homes that we understand attract folks like you that might have a few credit issues and we take the risk.
But I also have my sons very nice home we lease while he's out of state. I'm much more selective in who I rent that home too, you would be marginal for this home.
So for the average rental home you are probably good to go.
Best of luck.
Hello, I'm currently in search of a new apartment. I have two lined up to see tomorrow morning. One is a Co-Op and the other is just a regular apartment in apt. complex. They're both for $1000/mnth. I'm 21 years old, work full-time as a Certified Dental Asst. I make a little less than $20,000/yr. My boyfriend makes a little less than $22,000/yr, his credit score is 602 I believe, no outstanding debt, pays his bills on time. My credit score is 692(considered med. risk), I have $3,000 outstanding debt, only as of this year due to car problems, but I make all my payments on time. I don't want to waste my time or money filling out applications to these places if my current debt will disapprove me. Do you think we would be approved? Thanks.
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