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Old 01-23-2011, 05:38 PM
 
95 posts, read 39,259 times
Reputation: 48
Default How to find an apartment with bad credit?

So I have an eviction on my credit from a few years ago. I didn't get thrown out of my apt, but I moved out before the lease was up and they filed an eviction notice afterwards. I'm trying to dispute it on my credit report, but in the mean time I was wondering, is it possible to find an apartment in Seattle that doesn't do a credit check (no roommates, hotels, basements, etc)? I've looked and so far can't find anything.
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Old 01-23-2011, 05:51 PM
 
Location: Guangzhou, China
8,067 posts, read 5,952,723 times
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Roommates/sublets are a good bet. There are distinct sections for them on Craigslist you may want to check out. There are also "short stay apartments" or "long-term hotels" that have monthly rates; here in CA, they usually have a 29 night maximum, because after 30 days you're considered a resident and there are various eviction clauses that go into effect.

If your credit is bad and you want a lease, one thing that you CAN do is offer an extra amount as a deposit. My credit took a dive after I lost two jobs in a row with the economy tanking, and then I had a dispute with a disreputable landlord. I got on a lease by offering an extra $500 on the deposit.
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Old 01-23-2011, 09:25 PM
 
Location: East of Seattle, originally from SF Bay Area
13,389 posts, read 15,192,913 times
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That's a difficult situation, landlords are getting really picky these days, because they can afford to be with so many new renters looking thanks to all the foreclosures. And, people still moving to Seattle from other states.
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Old 01-23-2011, 10:03 PM
 
95 posts, read 39,259 times
Reputation: 48
Quote:
Originally Posted by 415_s2k View Post
Roommates/sublets are a good bet. There are distinct sections for them on Craigslist you may want to check out. There are also "short stay apartments" or "long-term hotels" that have monthly rates; here in CA, they usually have a 29 night maximum, because after 30 days you're considered a resident and there are various eviction clauses that go into effect.

If your credit is bad and you want a lease, one thing that you CAN do is offer an extra amount as a deposit. My credit took a dive after I lost two jobs in a row with the economy tanking, and then I had a dispute with a disreputable landlord. I got on a lease by offering an extra $500 on the deposit.
Yeah, I don't want to do roommates anymore. Sublets and short stays will require me to keep moving about. I have stayed in the hotels you mentioned in SF before. Most of those under $1000 a month are crap in terms of quality. There are some in Seattle that are a little cheaper, but I'm looking for a real apartment on my own. I guess I could try the greater deposit option you mentioned, although it's just a matter of finding a landlord who'lle go for it.
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Old 01-23-2011, 10:42 PM
 
Location: Guangzhou, China
8,067 posts, read 5,952,723 times
Reputation: 8278
Quote:
Originally Posted by JSeaman0 View Post
Yeah, I don't want to do roommates anymore. Sublets and short stays will require me to keep moving about. I have stayed in the hotels you mentioned in SF before. Most of those under $1000 a month are crap in terms of quality. There are some in Seattle that are a little cheaper, but I'm looking for a real apartment on my own. I guess I could try the greater deposit option you mentioned, although it's just a matter of finding a landlord who'lle go for it.
The big downside is that you just don't have the options that others with better credit do.

When I had good credit, I had pick of the litter, and now... well, thankfully SF has plenty of Chinese families who care more about the fact that I'm well dresses, manage a business, and drive a nice car, so I obviously have some of my act together
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Old 01-26-2011, 11:49 AM
 
Location: the Beaver State
6,478 posts, read 5,671,134 times
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Sorry to say, but I think you're pretty well screwed. It depends on HOW bad your credit is of course.

Your best bet is to find someone who is moving out soon and try to get on as a roommate for a few months, then take over the entire rent after they have moved away. Landlords are usually OK with that type of thing because it saves them work in trying to rent the place out again.
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Old 01-26-2011, 12:32 PM
 
575 posts, read 568,131 times
Reputation: 376
You aren't screwed. Half the renters out there have walked from homes, lost them to foreclosure etc. You can call different property management places and ask if they work with bad credit. If you go to Hot Pads and look up single family home rentals, half of them on the list aren't requiring a credit check, some even state they work with bad credit. Most of these types of rentals want the first, last and security deposit plus pet and cleaning fees. Offer to double the security deposit, or pay a few months in advance. Money talks. Now an eviction my tarnish your rep a little more because the landlord doesn't want to have to evict you too......is it possible to get it in writing from your previous landlord that you were not forcibly evicted, just left before the lease was up? Have you tried disputing the credit agency? Often if you dispute the lender/landlord won't go to the hassle of reaffirming the negative remark. Good luck and let us knowhow it works out
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Old 01-26-2011, 06:55 PM
 
304 posts, read 448,479 times
Reputation: 210
Shop around for an apartment in Beacon Hill, First Hill and Ranier Valley. Forget about Magnolia.
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