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Old 04-21-2020, 10:28 AM
 
8 posts, read 8,016 times
Reputation: 15

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Ok so, I’m currently in PA, considering a move to Chi in the next month or 2, I have a 2nd Zoom interview with a potential employer later today.

2 issues I have:


1. My credit is not great, not completely shot, but hovering around 600 on each bureau. I have 0% utilization on my credit cards so this is mostly due to past collections from when I was dumb and irresponsible (medical, etc)

2. My potential roommate is moving from SC, she has better credit however she runs a side business as her income and she is a sole proprietor, so it’s hard for her to show income.


How can I go about getting an apartment with these two factors?

I looked into RentBacker but idk how reliable or legit they are.

Part of me is wondering if there’s even any point in moving right now.

Any advice is appreciated.

Last edited by PJSaturn; 04-21-2020 at 11:52 AM.. Reason: Moved thread to Renting; edited title for clarification.
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Old 04-21-2020, 11:56 AM
 
Location: The Triad (NC)
31,170 posts, read 68,053,685 times
Reputation: 37018
Quote:
Originally Posted by tcaramel View Post
How can I go about getting an apartment with these two factors?
Any advice is appreciated.
Find someone else in Chicago who needs a housemate.
If things work out... then in a year or so get your own place.
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Old 04-22-2020, 07:39 AM
 
482 posts, read 193,912 times
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Does the potential roommate have a few years of income being self-employed, or is this a recent development?

How is your income? Many landlords are a little flexible on credit if the income is enough.

Why are you moving to Chicago? It sounds like you're not even sure you want to right now.
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Old 04-22-2020, 09:55 PM
 
5,409 posts, read 4,676,933 times
Reputation: 15973
Most small, private landlords are far more concerned with one's income and record of having paid the landlord, than with credit rating. Try small private landlords.
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Old 04-22-2020, 10:46 PM
 
Location: Phoenix, AZ area
3,331 posts, read 3,670,037 times
Reputation: 4098
I'd be surprised if you got turned down most places right now. Most places the goal is to get payers in units so reach out to a few places and explain your situation and figure it out.
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