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Additional Details
I can't and won't get into too much personal detail but mainly it's been past debt that's gotten me into trouble with credit score. Also I wan'... |
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Jonathan b | Question about about bad credit and apartment applications? |
This place I want to live says they use a company called "safe rent"
I have a fica score of 541 does anyone know if I will pass the safe rent system. I have never been evicted.
-Jonathan |
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Aunt Henny Penny
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Jonathan - Your credit score is not bad, and you add you've never been evicted, which is a big plus in your favor.
They will be looking at your income verses the amount of rent you will be required to pay, I believe they ask that you earn 4 times the amount of the rent. So if the rent is $100.00 you must earn $400.00 and so on.
Apply for the apartment and have confidence that you it will be yours. If not, it was not meant to be. If they do turn you down, be sure to ask why, they have to tell you.
Good Luck |
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BMW BFD
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I'm not sure what safe rent is...as long as you don't have any charge offs and not been evicted, you should be fine, but I don't know 100% sure |
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shaun m
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I am sure that you will.
I dont know what safe rent it but you might try looking it up online to see what the criteria is...you might even call the company and pose as a landlord to get more information about the process that they use to screen tenants.
Do this before you apply as some landlords charge an outrageous fee to even RUN your credit.
GOOD LUCK
and if this place turns you down, keep looking.
If you have a decent job it should not be a problem to find a decent place no matter what your credit score is. |
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sdmike
 |
Depends on what the bad credit is and if there is good credit to balance it out. I look at a credit report to get a glimpse of the personality of the prospective renter. Is this guy a flake and an excuse maker or is he a good responsible guy who just had some bad luck?...
You need to get ahead of the game and get a copy of yor credit report. Write a short letter (2 paragraphs) and explain that you are a good risk, you just had a hard time THAT YOU LEARNED FROM. By being up front (and organized) you are putting your best foot forward and have a better chance of impressing the decision maker. |
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moninicole
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Depends on what they are looking for. Some complexes only look for evictions, some look for criminal history, or stable job history. If apartments quit letting people in because of low credit scores, they would be empty. That is all too common. |
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gabriel jones
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Bad credit is one of the worst problems to have... however there exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :
http://umgarticles.atspace.com/debt-consolidation.htm
if it helps kindly remember me in your voting!.. cheers! |
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Staying Quiet
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With the FICO score, you should be fine as long as you have nothing major in collections. And if you are already in the apartment I can't imagine they would evict you know based on credit score.... |
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That_ blue_ eyed_ Irish_ lass
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Safe rent is a screening company dedicated to helping landlords and leasing corporations get the right tenants for their properties.
What they look for will not necessarily be your FICO score but rather if you have judgments against you, bankruptcy's or a criminal record. Evictions for non- payment or distruction etc.
Here is an excerpt from their website :
First Advantage SafeRent resident screening has one objective: to make sure your leasing decisions make the greatest possible contribution to your bottom line.
RegistryINSIGHTSM - Our core product bundle is the most comprehensive leasing decision service in the multifamily housing industry, combining essential screening services into one easy-to-use, effective tool.
RegistrySCOREXSM - The industry's only results-based statistical scoring model that includes substantial landlord-tenant records.
National RegistryCHECKSM - First Advantage SafeRent's exclusive database of substantial landlord-tenant records and lease performance histories reported by property managers nationwide.
Registry CrimCHECKSM - Uncovers felony, misdemeanor, and sex offender public records; available at the multi-state, state, and/or county levels.
Registry CrimSAFESM - An automated tool that analyzes criminal history public records to deliver a clear accept/decline decision based on criteria you establish for your community.
Management Reports - Our suite of on-demand management reports provide vital insight for management decision-making. |
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roger v
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Rent is based mainly upon job and income, along with past rental history. If you can afford it and have never been in trouble as far as renting, you will more than likely get in. |
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