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Old 09-03-2010, 11:49 PM
 
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What is the typical credit score for most people in Seattle? I know a lot of people rent rooms/apartments in Seattle (compared to most other places) so does this mean for the most part everyone has good credit?

How hard would it be for someone with someone with say 500 to get a place to rent? Do most landlords here (being home to Microsoft, Amazon, Boeing..) pay more attention to income vs credit or what? I don't have the best credit but I can most certainly pay more if I need to. How is the attitude here though?
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Old 09-04-2010, 04:31 AM
 
Location: rain city
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Landlords like people with verifiable employment.

And cash up front can always overcome tarnished credit reports.
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Old 09-04-2010, 10:44 AM
 
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I have lived in 4 different places in Seattle. All 4 landlords cared more about my rental history than my credit score. I do remember being turned down at one place that was corporate run (my credit at that time was not perfect but not horrible, either--however I was also quite a bit younger, which likely also played a factor). A dear friend of mine owns various properties that her and her husband rent out and she says her gut is always correct when meeting people in person--I have found a lot of landlords are like this, although like the poster said above, it varies so not *everyone*. I would stay away from rentals that are being advertised by real estate agents or go through a corporate office. Also, I have found that when a credit score is going to be run, being upfront about it (and to the "whys" and what you learned and how your actions are now different ) before they even get order can be helpful. You might even order a copy of your credit report for yourself so that when you find a place you like, if they want to run a report you can show them yoruself(rather than spend the money on the application fee just to have them turn you down and have time and money wasted).
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Old 09-04-2010, 05:38 PM
 
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I would think that there are going to be thousands of "refugees" from other cities that got foreclosed on and are moving to a more lucrative economy or at least a city with slightly better job outlook. In that case, landlords will be dealing with a lot more people that have foreclosures or were underwater and had to leave for a job opportunity. I'd think a quick "heads up" to a potential landlord explaining that you couldn't sell or afford to pay without moving for a new job, or why you have a bad credit score, coupled with a bigger deposit, maybe a few months paid in advance, would work. You could also get former landlord references, have a family member "co-sign" on the rental or even offer to have the money direct deposited from an account directly to them. Maybe even offer to show 6 months of paystubs showing good income.........
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