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Old 05-13-2016, 08:41 PM
 
30 posts, read 48,720 times
Reputation: 21

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My credit is shot the thing is Iv'e been offered many programs from lincs 2 to Home T.B.R.A. I'm in a family shelter been thru all the meetings with brokers and landlords ends up with no sign on the bottom line. Made messed up transactions in my life 10 yrs ago. Now I'm 6 kids deep wanting something better for them. I set up options with housing connect and certified with N.Y.C.H.A as of 3/8.2016 what can I do to fix this
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Old 05-13-2016, 09:03 PM
 
Location: Eric Forman's basement
2,475 posts, read 2,785,733 times
Reputation: 1302
Housing Connect is a long shot anyway, with thousands of people applying for a handful of apartments. You would do better with NYCHA and the rent would be cheaper.
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Old 05-13-2016, 09:23 PM
 
24,099 posts, read 16,659,393 times
Reputation: 17467
As things stand today with bad credit you can kiss good bye to *any* apartment/housing that isn't strictly NYCHA and or totally run by the government. Private landlords won't touch people with even remotely sketchy credit with a barge pole.


That being said if credit is merely suspect then perhaps a guarantor will be accepted, but then that person or persons need excellent credit.


You'll get no pity from NYC/Housing Connect; the last thing they want is to land any of these various private landlords participating in "affordable housing" with tenants who cannot pay and or at least on paper will have problems paying. There have been some noises from certain members of city council to do away with credit checks and or otherwise lessen the weight in the application process, but so far that has gone no where.
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Old 05-14-2016, 12:05 PM
 
30 posts, read 48,720 times
Reputation: 21
Thanks for the reply
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Old 05-14-2016, 12:17 PM
 
6,685 posts, read 6,648,761 times
Reputation: 4812
How bad is your credit?
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Old 05-14-2016, 08:21 PM
 
186 posts, read 180,129 times
Reputation: 225
I know my credit is in the dumps and I am working to get it back up. Just got a city job and I applied to a few of those spots, hoping credit doesn't hurt too much and that they see "Oh city job, lets give him a shot at this"
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Old 05-14-2016, 09:49 PM
 
30 posts, read 48,720 times
Reputation: 21
Quote:
Originally Posted by livingsinglenyc View Post
How bad is your credit?
Put it like this I can't get a capital one secure card and finger hut denied me. I was told they can help me build my score.
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Old 05-14-2016, 10:46 PM
 
24,099 posts, read 16,659,393 times
Reputation: 17467
Quote:
Originally Posted by peezo View Post
Put it like this I can't get a capital one secure card and finger hut denied me. I was told they can help me build my score.
Ouch, that is bad.......


Keep in mind though since the federal government laid into credit card companies and laid down some new laws, it you don't have good prospects on paper then no, you won't be getting any sort of credit any time soon. Credit card companies just don't want to be hauled before the CPB or be forced to listen to yet again some one crying to Congress or in the media about how they owe money and cannot pay; but worse the CC company won't cut them slack....
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Old 05-15-2016, 03:26 AM
 
Location: Eric Forman's basement
2,475 posts, read 2,785,733 times
Reputation: 1302
Also, did you say you have six kids? That would be a problem as far as Housing Connect also. I don't think I've ever seen one with apartments that can accommodate a family that large.
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Old 05-15-2016, 04:04 PM
 
6,685 posts, read 6,648,761 times
Reputation: 4812
Quote:
Originally Posted by peezo View Post
Put it like this I can't get a capital one secure card and finger hut denied me. I was told they can help me build my score.
I have no idea what that means sorry.
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