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Additional Details
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Jason T | My gf has no credit. If I co-sign her apt rental app, will the co-signed account appear on my credit report? |
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PlatinumREI.com
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It will not appear on your credit report unless she owes moeny as the result of damage beyond her security deposit when she leaves or if she breaks the lease. In that case, you will likely see a collection on your credit. The landlord or property management company could then sue you and get a judgment, which is a terrible thing to have on your credit.
My advice is to find a private landlord who won't check credit, or simply offer 1.5 or 2 months worth of security deposit. Do not sign for her, even if you love her. |
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Jay S
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Yes, be certain this is what you want to do. You'll end up becoming primary on this if your credit is better. Which means, if nobody pays the rent, they'll come knocking on your door first. |
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GEE-GEE
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Rentals do not show up on your credit unless you default. But if you are a co-signer the apt. complex is obligated to call you to see if you can pay the bill on the off chance that your girlfriend does not pay it. So if something bad does happen it will not be a total surprise to you. They will notify you to correct the issue before they damage your credit. |
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Kainoa
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Of course, her rent will be considered as part of your monthly bills if you apply for a loan. |
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doggiecaveman
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Yes, and if she defaults you will be liable. My son got a cell phone for his friend and got stuck with the bill. |
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DaMan
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Please listen.
Before you co-sign for your girlfriend, I want you to take an inventory of yourself.
If your girlfriend got pregnant tomorrow, would you marry her?
If your girlfriend lost an arm, would you still date her?
If your girlfriend put on 80 more pounds, would she still really be your girlfriend?
If you answered NO to any of those questions, then you shouldn't be co-signer for her.
If she decides to end the relationship tomorrow, she has no legal obligations to deal with. But she will leave you with a nice legal mess that could potentially ruin your credit.
Please do not let the lovemaking cloud your better judgment -- you have very little to gain by co-signing for her and a hell of whole lot to lose which could affect your creditiworthiness for at least 7 years.
You have been warned. |
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newyorkgal71
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Do yourself a favor, never co-sign for anyone. It can end up as a BIG problem. As co-signer, you are responsible if she does not pay the rent, as co-signer, the landlord may ask you, as co-signer, to make the payments. You probably don't want to pay rent if she runs out on the lease. If you want to help your girlfriend, ask her to move into your apartment. Or, a better idea, is tell her to ask her parents to be her co-signer. In case of a problem with her payments, you do not want the responsibility of making her payments. Let her parents be be responsible for their daughter, not you. Wait until you're married! |
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zahir a
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YES IT DOES. BE CARE FUL WHEN DEAL WITH CREDIT MATTERS |
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DarkWolf
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It depends on if the property management company reports to credit bureaus, however you should assume that they do. When you co-sign with someone you are taking responsibility and agreeing to pay if they default and will be treated by creditors and collection agencies as your debt when reviewing your credit. Just keep in mind if she needs you co-sign for her she has probably had issues in the past paying her obligations and could drag you and your credit score down with her if she doesn’t pay her rent. |
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Can do it man
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Yes it sure will |
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