Where can a young couple rent in raleigh/cary with NO credit? (Clayton: sublease, rentals)
Raleigh, Durham, Chapel Hill, CaryThe Triangle Area
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this is the best route. ANYONE can get a capital one card!!!
Yup. They can. I had my son get one there when he turned 18, just to build a credit history. He tries to leave a small balance on it. Doesn't use it much, though.
Walnut Creek Apartments near NC state. I moved there with a friend when I first came to Raleigh. Neither of us had jobs and she had no credit (I did) and we were able to get an apartment with no problems.
If your credit check will show no credit history, than just be up-front with the leasing office. Many times, the office can tell you before you apply if it will be a problem. Do you have a credit card? Now may be a good time to get one, just so that starts to build your credit some.
For me, I'm more concerned about a history of late payments or outstanding debt than having a short credit history.
I have found this to be the case.
OP, have you had doors slammed in your face?
As I mentioned in another post. Neither me nor my husband have any credit history and we've been renting multiple apartments and houses in two states together since 1996. (We were in our late teens and early twenties with good rental history and stable employment.) The ONLY issue that came up (and I didn't really think it was an issue) was at ONE particular complex. We weren't able to get the $99 deposit deal. We had to pay a whole whopping $300 or something like that. I just rolled my eyes at that because in NJ, a security deposit would easily put us back a full month or month and a half deposit price in addition to first month's rent. (We're talking $1000 plus rent in comparison to about $580.)
BTW, the complex down the street from the first one allowed us to move in for exactly $0, no credit and all. First month's rent was free too. Their sign said plain as day '$0 moves you in'. I was pleased that it wasn't just a gimmick to get you in the office door.
Jee whiz, so many people make it like you HAVE to have credit to function in America. It is just NOT true. There are other options. I like living without a leash tied to my neck.
Find a credit union you can join (its MUCH easier than it use to be), and then get a credit card from them. Also take out a signature loan from them (maybe $500 or $1,000), both to help you pay for all the utility deposits and to get your credit history started.
Than make sure you pay on time! Credit isn't based on how much you owe, but way more on how regularly you pay it off (or not).
Try getting a credit card online with Capital One.
They're literally spawns of Satan. Trust me, it took me 3 years of fighting just to close an account that was paid off. They kept charging me fee and such. This was from 2003-2006 (before the bailout).
They're literally spawns of Satan. Trust me, it took me 3 years of fighting just to close an account that was paid off. They kept charging me fee and such. This was from 2003-2006 (before the bailout).
I always wanted to try the retaliate-against-the-machine gimmick of paying off the bill, plus a penny and the next month pay the balance less 2 cents, on and on, so that their computers spend all that money and postage alerting you that you owe them a penny, or you have a penny credit.
Check craigslist for rentals because you'll probably have more luck with landlord than an apt complex. I think they usually want more up front though, like bigger deposit or something.
Landlords have to be careful. I believe (not positive about NC laws) most states only allow a landlord to collect 1 month rent + a reasonable/customary security deposit but no more. Collecting more in many states is a violation of the law. Of course making the offer of a larger deposit is always helpful by letting the property owner know your intent.
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They're literally spawns of Satan. Trust me, it took me 3 years of fighting just to close an account that was paid off. They kept charging me fee and such. This was from 2003-2006 (before the bailout).
