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HumblenessofHeart, are you actually a landlord? I'd have to say no, or you're VERY new to it and have much to learn.
Even though this thread is old, I'll play ball here. Having credit for 2 years and it already being bad tells me that there is a LOT of growing up to do regarding financial responsibility and paying back debts. Seeing that score on that short of a credit history would be an immediate no-go for me unless there was a HUGE deposit and maybe a couple months of rent paid upfront.
Being humble or kind rarely falls into any successful business' business plan. If it does appear in the business plan, it's probably a non-profit or someone trying to get a business loan and disappear. Landlords are faced with difficult decisions and situations on a daily basis when it comes to applicants and their histories. We take no pleasure in declining applicants even though your post could indicate otherwise.
I'm helping friends rent out their old house right now for the first time. The husband was thinking of renting to a guy who said his credit wasn't good, but he's trying to clean it up and didn't want them to run his credit because he didn't want to many dings on his report. But, he was so charming..... LOL
I told him to think of it like this: Would a car dealer say, "Oh sure!" "Here are the keys to that $30,000 car out there. Enjoy!" Or would a bank lend the guy money without running the guy's report and verifying he's a good risk?
A rental is a very expensive investment, and a landlord is trusting the tenant to protect his investment, while honoring a contract that enables the tenant to live there. A landlord has to weigh the risk to his investment.
If a car dealer wouldn't let you drive off the lot with a car, or a bank wouldn't loan you money - based on your risk factor - don't expect a landlord to deal with you either.
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