How do people with bad credit get ANYTHING? I'm trying to get my own apartment. I don't have anyone to co-sign

for me. I went and looked at a bunch of apartments but they require good credit history. How the heck am I supposed to get my own apartment?Is it ever going to be possible? I don't want a house or a dumpy apartment.How do people with bad credit get ANYTHING? I'm trying to get my own apartment. I don't have anyone to co-sign
There are always opportunities out there. Many smaller appt properties use on site management --Collect the rents take phone calls when problems arise and handle them. The manager does this in Lou of rent--stays for free actually trades a little sweat for alot of apptHow do people with bad credit get ANYTHING? I'm trying to get my own apartment. I don't have anyone to co-sign
Depends on your age, work history, current job, etc.



If you are young (18-25) - they rely more on your credit and such, and will seek a co-signer since their experience has been young folks typically are irresponsible and will bail if they owe money.



If over 30, this becomes not so much an issue. Try looking for independently owned apartments, rather than major corp owned. The restrictions are less severe.



BTW - To The answerer above - not always is it your fault for bad credit - nor always your choice.



There are unscrupulous businesses and people that will file false reports in order to get at your for any perceived reasons.



Divorces will affect your credit as well. Especially when you have a psycho ex that leaves you while having an affair, then does everything they can to ruin you for filing for divorce.



Mine went and signed me up for 100's of gay and alternate lifestyle magazines using the ';Bill Me Later'; option and had them all delivered to my workplace. The bill for it come to over $5000, and took me years to clear off my credit history. She also went and got phone service in my name, and let her neighbors whom were from China, call home everyday. That bill come to over $8000, and took four years to remove.



I'm barely getting my credit back - it it was 15 years ago we divorced. My second marriage and divorce didn't help with her mounds of medical bills being put on my credit since she kept me on as her ';responsible party'; for payments after the divorce, and suddenly had reason to go in almost weekly for tests and emergency visits.
It will take a few years, at least, to clean up bad credit...and that is assuming you are committed to doing so. I got into some credit problems in college, and at the time didn't realize the HUGE impact that bad credit can have on your future. It took me about 5-6 years to get back on track. Now, my credit is in good shape and I am almost obsessive about knowing my credit score, having low debt, etc...



However, like I said...cleaning up your credit doesn't happen over night, so in the meantime as you look for apartments, you may want to consider looking for a privately owned house/apt to rent. Unfortunately, you will probably not get into an apartment building complex (if that is what you were looking for). Typically, complexes have strict application guidelines and credit history makes up a large part of that. Also, employment history can be important when looking for housing. For example, people want to see job stability and it looks much better to have maintained the same job for 1-2 years at least, than to have 3-4 different jobs over that same time period. Finally, if you are really in a bind with finding an apartment, it can't hurt to plead your case to whomever is renting. Sometimes owners may simply pick an individual to rent their apartment because that person made a good impression on them. You could be honest...tell them you know your credit is not the best currently, but you are working on repairing it...and demonstrate through your pay stub (or any other forms of money) that you will have no problem paying the rent.



Good luck with the apartment search!
When I moved to a new town and didn't have a long job history, great credit, etc. what helped me was calling the landlords or going down and talking to them personally. I think it helps for them to see you and that you're normal and clean-cut. I would go talk to them and explain my situation and mention my willingness to pay a deposit. If you are willing to put down money right then and there, preferably a large amount, even more than other people, the landlord is a lot less likely to refuse.



Good luck.
Well, you are the one that decided to have bad credit and the result, no one else wants you stealing from them.



You are going to have to settle for the dumpy apartment that no one with good credit wants.



It is very expensive to evict someone and if your credit indicates that there is no way you are going to pay your rent then you can't very well expect people to welcome you into their property.
oh, my Gosh...i feel the same way. I am 27 and I am trying to move next month. I found the apt. but I am scared that my previous bankruptcy will be an issue. I hear if you are willing to put up more $$$$ for a security deposit, to ensure that you are not going to stiff them on the rent , you may come out on top. Let's hope so. Good luck.
Your best bet is to go online, maybe craigslist, and search for individual owners who are renting their condos. Condo is pretty much an apartment. Only diffrence is, that at the complex you have individual owners compared to one owner for the entire place. So many people have purchased condos and are desperate to find renters because they must pay on their mortgage. Make sure and pay on time and treat them right. This is the right time to turn things around and rebuild. Good luck.