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Will I be Able to Rent With Poor Credit?
Hello,
I am currently moving from northern California to Southern California however I haven t yet applied due to my poor credit. My credit being just under 600 due to some credit fraud stuff that has happened to me and I have yet to be able to get it all sorted out. I am looking to get a small one bedroom or studio with my girlfriend whose credit is around 700 however her income alone won t be enough. Unfortunately we don t have a cosigner so we are wondering if anyone can give advice on what we could do. We are moving down working with the same companies we are currently with so we will be able to prove that we are employed.
Thanks!
8 Answers
- Landlord365Lv 62 years ago
Not likely. Most landlords will deny someone with poor credit. The ones that will are going to be crappy places in really crappy neighborhoods. Those landlords do not care who they rent to.
- 2 years ago
I would suggest that you stay away from the big corporate apartment complexes. You would have better luck with someone renting an apartment out back or a half of a duplex they own - a mom-and-pop rental that won't check your credit rating so hard. As a landlord my experience has been that almost all renters have credit problems, otherwise they would be owners.
- ?Lv 72 years ago
Its a long shot but with her good credit and your decent income you might find a place if you keep looking. Might want to focus on smaller landlords who may be more apt to give you a shot but it may simply not happen. I would go look at a few places, tell them the whole story in advance, even bring a copy of your credit if you can and just ask them if they'd consider renting to you under the circumstances. If they say yes or maybe then you can put down an application but if they say no then you saved the application fee and waiting to hear back from them.
- ?Lv 72 years ago
I'd imagine, depending on local rules where you live (this is a ww website) you'd probably need a guarantor, at least.
- Richard_CALv 42 years ago
Your credit is not the issue here. What could disqualifies you would be an eviction on your credit report. But bad credit usually means you pay a higher deposit. The rent stays the same amount for you or anyone else regardless of their credit. But you have to qualify to rent by making 3 times the rent. Some places might go a low as 2 1/2 times the rent. You and/or your girlfriend might consider a 2nd job just to get qualified as far as income is considered. Once you qualify and are in the apartment, quit the 2nd job if you like, but consider that the loss of that extra income might make bills get tight.
- JudyLv 72 years ago
probably not. Not any desirable apartment - maybe one that they're having a hard time renting.